Free Guide to Paying Less for Canby Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you're not alone.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates at least once a year since insurance rates are constantly changing. Just because you found the lowest price a few years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to find out the quickest way to properly buy coverages while reducing your premium.

Be sure to get all your discounts

Companies that sell car insurance don't list every available discount in a way that's easy to find, so we researched some of the best known and also the lesser-known ways to save on auto insurance.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Low Mileage - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Clubs and Organizations - Affiliation with a civic or occupational organization could trigger savings on your policy.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, it just doesn't work that way.

Minnesota auto insurance

Is there truth in advertising?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads make the same claim that you can save if you change to their company. How can each company say the same thing? It's all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk might be profiled as between 30 and 50, has no tickets, and has a short commute. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will be charged higher premiums which leads to business not being written. The ads state "customers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can make the claims of big savings. That is why you should get quotes from several different companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information is located at the Minnesota Department of Commerce website. Minnesota drivers can file complaints about a company, find disaster information, find out which companies have the most complaints, and download brochures.

auto insurance in Canby

Affordable insurance is out there

Throughout this article, we presented some good ideas how to reduce auto insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company. Regional companies can often insure niche markets at a lower cost compared to the large companies like .

Affordable auto insurance can be sourced on the web and also from your neighborhood Canby agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.