Tightwads Tips for Saving on Champlin Auto Insurance

Overpriced auto insurance can dwindle your bank account and make it hard to pay other bills. Shopping your coverage around is a great way to slash your bill and have more diposable income.

You have so many to buy insurance from, and although it's nice to have a choice, lots of choices makes it harder to compare rates.

These discounts can lower your rates

Car insurance companies don't list every discount very clearly, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.

  • Government Employees - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Save over 55 - Older drivers may qualify for a discount up to 10%.
  • Low Mileage Discounts - Driving fewer miles could qualify for a substantially lower rate.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

For a list of insurance companies offering auto insurance discounts in Minnesota, click here.

Where Can I Get Cheap Champlin Auto Insurance?

Most major insurance companies like Progressive, Allstate and GEICO allow you to get coverage price quotes on their websites. Getting online rates doesn't take a lot of time as you simply type in your required coverages as detailed in the form. Once entered, the company's rating system will obtain information on your driving record and credit history and gives you a price quote. Being able to quote online makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

There is a better way!

A more efficient way to compare auto insurance pricing uses one simple form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much easier to do. Once the form is submitted, it is rated and you can choose any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in your coverages as shown on your current policy. This helps ensure you're receiving rate comparison quotes based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different and your policy should reflect that. For instance, these questions can help discover whether you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Minnesota?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?

If you can't answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Do the work, save more money

As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Affordable auto insurance can be found online in addition to many Champlin insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.