Free Guide to Spending Less for Avon Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, you are not the only one feeling buyer's remorse.

Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is difficult to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Avon is easy if you know what you're doing. But Minnesota drivers do need to know how companies price insurance differently and use this information to your advantage.

More discounts equal less premium

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Memberships - Participating in a civic or occupational organization may earn a discount when buying auto insurance.
  • Driver Safety - Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for New Cars - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Multiple Vehicles - Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Homeowners Discount - Owning a home in Avon can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • No Accidents - Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • No Charge for an Accident - A handful of insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.

Drivers should understand that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce your premiums.

To see a list of insurers who offer auto insurance discounts in Avon, click here.

Compare the Market for Auto Insurance in Avon

Most companies give coverage prices directly from their websites. This process is quite simple as you just enter the coverage amounts you desire into the quote form. Once you submit the form, the company's rating system will obtain your credit score and driving record and provides a quote determined by many factors. Online quotes helps simplify price comparisons, but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get a lower rate.

The preferred way to find better auto insurance pricing uses one form to get prices from multiple companies. It's a real time-saver, reduces the work, and makes online shopping much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages just like they are on your policy. This makes sure you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in better auto insurance rates.

The following are a few of the "ingredients" auto insurance companies consider when setting premiums.

  • Don't sacrifice liability coverage - Liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Policy add-ons can waste money - There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Insurance for personal injury protection, accidental death and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.
  • Proper usage rating affects rates - Driving more miles in a year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based on how the vehicle is used. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage is rated on the proper vehicle usage.
  • Your car's features help determine rates - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Adjust deductibles and save - The deductibles represent how much money you are required to spend before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and dentists tend to have the highest average rates because of stressful work requirements and long work hours. Other jobs such as actors, historians and performers receive lower rates.
  • Being married is a good thing - Having a spouse can get you a discount on auto insurance. Having a spouse means you're more mature than a single person and it's proven that being married results in fewer claims.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies have a common claim that you'll save big after switching to their company. How can each company make almost identical claims?

Different companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer could possibly be between 25 and 40, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements must pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can state the savings.

This illustrates why drivers must get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Shop smart and save

Budget-conscious auto insurance can be purchased online and also from your neighborhood Avon agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

auto insurance in Avon

Much more information about auto insurance in Minnesota can be found on the website for the Minnesota Department of Commerce located here. Minnesota consumers can find out which companies have the most complaints, discover disciplinary actions, file complaints about an insurance agent or broker, and view a list of available companies.