Tightwads Guide for Saving on Brownton Auto Insurance

Are you sick and tired of not being able to afford each month for car insurance? You are in the same boat as many other Minnesota consumers.

Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Brownton is easy if you know what you're doing. But Minnesota consumers do need to know how insurance companies price online insurance and take advantage of how the system works.

compare Brownton auto insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in school.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Payment Discounts - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.
  • Claim Free - Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • Defensive Driver - Completing a defensive driving course could save 5% or more depending on where you live.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Brownton, follow this link.

Cheap Brownton Auto Insurance Comparisons

The are a couple different ways of comparing rates and find the best price. The recommended way to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

One of the best ways to find low rates is a comparison rater form click to view form in new window. This method keeps you from doing multiple quote forms for every auto insurance company. In just a few minutes this one form compares rates from multiple low-cost companies.

A slightly less efficient method to shop for auto insurance online is going to the website of each company and complete a new quote form. For example, we'll assume you want rates from , and . To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Brownton, click here.

The least efficient way to compare rates is to drive around to insurance agents' offices. Shopping for auto insurance online makes this process obsolete unless you prefer the personal advice of a local agent. You can, however, compare online quotes but buy from a local insurance agent. We'll cover that shortly.

Whichever way you use, ensure you're using exactly the same coverage limits and deductibles on every quote. If you compare different liability limits it will be next to impossible to make a fair comparison in Brownton. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will increase your chances of finding the best rates.

Shop smart and save

When buying insurance coverage, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Budget-conscious auto insurance can be found both online as well as from independent agents in Brownton, and you should be comparing both to get a complete price analysis. Some insurance companies don't offer online quoting and these smaller companies work with independent agents.