Free Guide to Paying Less for Bertha Car Insurance Online

Expensive car insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is a smart way to help make ends meet.

Because you have many different company options, it can be impossible to locate the best insurer.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Student in College - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.
  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.

It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the amount you have to pay.

car insurance in Bertha

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's needs are different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Should I rate my vehicle as pleasure use or commute?
  • What are Minnesota no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Minnesota?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Do I qualify for additional discounts?
  • What companies insure drivers after a DUI or DWI?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile must pay higher prices which usually ends up with the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can state the savings.

This illustrates why you should get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings.

More sites with car insurance information

More information can be found on the website for the Minnesota Department of Commerce located here. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, find out industry alerts, and read consumer alerts.

Also read more on this resource for Minnesota car insurance prices and this link which helps you find a Bertha agent.

Bertha car insurance comparison

The best insurance company isn't always the cheapest

Lower-priced car insurance can be found both online and with local Bertha insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We just presented many ways to reduce car insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from a small local company. Regional companies often have lower prices on specific markets compared to the large companies like .