Buy Low-Cost Bemidji Auto Insurance

Having to pay for overpriced auto insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a great way to cut your insurance bill. Having so many companies to choose from, it can be diffult for consumers to locate the most affordable insurance company.

It's important to compare rates on a regular basis because insurance rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of wrong information about auto insurance online, so we're going to give you some great ways to put money back in your pocket.

Buying car insurance in Bemidji is not that difficult. If you have a current auto insurance policy or need new coverage, you can learn to find better prices and possibly find even better coverage. Minnesota consumers only need to know the most effective way to get comparison quotes over the internet.

Take advantage of discounts

Companies that sell car insurance do not advertise every available discount very well, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Waiver - Some insurance companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Multi-policy Discount - If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Driver Safety - Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

Bemidji auto insurance quote

Are auto insurance companies telling the truth?

Minnesota consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. All the ads have a common claim about savings after switching to their company.

But how can every company make almost identical claims? It's all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk could possibly be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver that hits that "sweet spot" will get very good rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be charged more money and this can result in the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. This is how companies can truthfully claim big savings. That is why you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

Even more information can be read at the Minnesota Department of Commerce website. Minnesota consumers can read consumer alerts, get help finding coverage, view agent and company licensing information, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Bemidji agent directory.

A tidy conclusion

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

The cheapest auto insurance can be purchased online and also from your neighborhood Bemidji agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like .