How to Find Cheaper Backus Car Insurance

Consumers who are new to the process of shopping for insurance online might discover purchasing low-cost Backus car insurance nearly impossible.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

The list below includes a few of the "ingredients" that factor into prices.

Small claims can cost you - If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Companies in Minnesota give better rates to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of larger claims.
Clean credit earns discounts - Having a bad credit rating is a important factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure than those with lower credit scores. If your credit rating can use some improvement, you could save money insuring your by repairing your credit.
Rates may be higher depending on your occupation - Careers like lawyers, executives and accountants are shown to have higher rates than average because of high stress levels and long work hours. On the flip side, occupations like scientists, athletes and the unemployed pay the least.
What are your deductibles? - Physical damage deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The higher the amount the insured has to pay upfront, the lower your rates will be.

Policy discounts you shouldn't miss

Car insurance companies don't always list every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known ways to save on car insurance. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings of 20% or more.
No Claims - Good drivers with no accidents can save substantially when compared to accident-prone drivers.
Homeowners Savings - Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
Defensive Driving Course - Taking a driver safety course can save you 5% or more if your company offers it.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

To choose insurance companies with the best car insurance discounts in Backus, click this link.

Save $429 a year? Really?

Consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make the same claim about savings if you move your policy.

How do they all make the same claim?

Different companies have a certain "appetite" for the right customer that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be quoted higher premiums which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully claim big savings. This emphasizes why you should get as many comparisons as possible. Because you never know which company will give you the biggest savings.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Even more information can be found at the Minnesota Department of Commerce website. Consumers can download brochures, find out industry alerts, and read industry bulletins.

In the end, you save

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, poor customer service, high rates after DUI convictions or even lack of trust in their agent. No matter why you want to switch, choosing a new insurance company is easier than you think.

We just showed you some good ideas how to save on car insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from the least-expected company.

Cheaper car insurance is definitely available from both online companies in addition to many Backus insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide online price quotes and these regional insurance providers work with independent agents.