Cambridge Car Insurance For Less Than You're Paying Now

Shopping for affordable Cambridge car insurance on the internet can be somewhat difficult for people who are new to comparing rates online. With so many choices of insurance companies available, how can you possibly compare them all to find the best available price?

Cambridge Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in lower car insurance prices.

Shown below are some of the items car insurance companies consider when setting premiums.

Increase deductibles and save - Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be colliding with a building, damage from fire, or theft. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
Men are more aggressive - Statistics have proven that women are safer drivers than men. Now that doesn't mean men are worse drivers. Women and men tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
Don't get talked into coverage you don't need - There are quite a few add-on coverages that you can get tricked into buying when buying car insurance. Coverages for roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate them to save money.
Where you live - Residing in a rural area is a positive aspect when talking about car insurance. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
Teen drivers pay high rates - Youthful drivers in Minnesota have a tendency to get distracted easily when driving so they pay higher car insurance rates. Adding a teenage driver to your car insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.

Free Quotes for Car Insurance in Cambridge, Minnesota

Reducing your insurance rates can be quick and easy. Just take a couple of minutes comparing rates online with multiple companies. This can be done using a couple different methods.

The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form entry for every car insurance company. One form will get you price quotes direct from many companies. It's definitely the quickest method.
A slightly less efficient method to compare rate quotes requires a visit to each individual company website to complete a price quote. For instance, let's say you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in Cambridge, click here.

Whichever way you use, make darn sure you compare identical coverage limits for every company. If you are comparing differing limits it's impossible to decipher which rate is best in Cambridge.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Most are applied at quote time, but some may not be applied and must be manually applied in order for you to get them. If you're not getting every credit you deserve, you are paying more than you should be.

Multiple Cars - Insuring all your vehicles with the same company may reduce the rate for each vehicle.
Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.
Safety Course Discount - Completing a defensive driving course could cut 5% off your bill if your company offers it.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Student in College - Children living away from home attending college and don't have a car may qualify for this discount.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

To choose insurers with discount car insurance rates in Minnesota, follow this link.

Are car insurance companies telling the truth?

Consumers in Minnesota can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies say the same thing that you can save if you change to their company.

How does each company claim to save you money?

All companies have a preferred profile for the driver that makes them money. A good example of a profitable customer might be over the age of 40, insures multiple vehicles, and has a short commute. Any driver who fits that profile gets the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. This is how insurance companies can make the claims of big savings.

This illustrates why you need to compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

How to know if you need help

When buying coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different.

These are some specific questions may help you determine whether your personal situation could use an agent's help.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Cambridge?
What are Minnesota no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

More information can be read on the Minnesota Department of Commerce website located here. Visitors are able to report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.

Other informative sites include this link for Minnesota car insurance quotes and this page for help finding agents in Cambridge, MN.

Best coverage at the best price

Affordable car insurance is attainable both online and also from your neighborhood Cambridge agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just presented many ways to compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the lesser-known companies.