5 Tricks Guaranteed to Save on Car Insurance Costs in Brownsdale

Searching for the lowest cost Brownsdale car insurance over the internet is somewhat difficult for beginners to comparison shopping online. With so many choices of insurers to choose from, how can consumers even start to compare every one to find the best available rates?

Free Quotes for Car Insurance in Brownsdale, Minnesota

The are a couple different ways to get quotes from local Brownsdale car insurance companies. One of the best ways to find the cheapest insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quotation requests for every car insurance company. One form gets you coverage quotes from car insurance companies with the best prices. It's the fastest way to compare.
  2. A more time consuming way to shop for car insurance online consists of going to the website of each company and complete a new quote form. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Brownsdale, click here.
  3. The least recommended way of comparing rate quotes is to waste gas driving to insurance agents' offices. The internet eliminates the need for an insurance agent unless you require the trained guidance of a local Brownsdale agent. However, consumers can find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make darn sure you compare exactly the same coverages on every quote. If you have different limits and deductibles on each one it will be impossible to make a fair comparison in Brownsdale. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding lower pricing.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be asked for before they will apply.

  • Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Accident Free - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So when the math indicates it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To choose insurance companies with the best car insurance discounts in Brownsdale, click here to view.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all make an identical promise about savings if you move to them. How can each company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher rates and ends up with the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully claim big savings.

This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

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

  • Why am I required to get a high-risk car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered if I wreck a rental car?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form.

Additional information is available on the Minnesota Department of Commerce website located here. Visitors are able to read industry bulletins, learn about insurance regulations, and view a list of available companies.

Brownsdale car insurance comparison

Final considerations

People who switch companies do it for a number of reasons such as high rates after DUI convictions, denial of a claim, unfair underwriting practices or even policy cancellation. No matter why you want to switch, choosing a new insurance company is easier than you think.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheap car insurance is definitely available both online and with local Brownsdale insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online price quotes and these smaller companies work with independent agents.