5 Ways to Save on Car Insurance in Claremont

If online car insurance comparisons are new to you, you may be overwhelmed because of the huge number of car insurance companies competing for business in Claremont.

It's important to compare prices periodically since rates are constantly changing. Despite the fact that you may have had the best rates last year there is a good chance you can find better rates now. There is a lot of wrong information about car insurance on the web, but I'm going to show you some great ways to reduce your car insurance bill.

Locating the lowest cost protection in Claremont can be fairly easy. If you have a current car insurance policy or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. Minnesota consumers only need to know the best way to compare rates over the internet.

Minnesota car insurance quotes

Claremont Car Insurance Comparisons

Reducing your insurance rates isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate forms for every car insurance company. Just one form will get you rate comparisons from several companies. Just one form and you're done.
  2. A more time consuming way to shop for car insurance online requires you to visit the website for each individual company to complete their respective quote request forms. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Claremont, click here.

It doesn't matter which method you choose, just be sure to compare apples-to-apples coverage information on every quote you get. If you compare unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Claremont.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked for before you get the savings. If you don't get every credit you qualify for, you are paying more than you should be.

  • Bundle and Save - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Good Student - This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To choose companies who offer car insurance discounts in Minnesota, follow this link.

Save $429 a year? Really?

Consumers in Minnesota can't ignore all the ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching your coverage to them.

But how can every company claim to save you money?

All companies have a certain "appetite" for the type of customer that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, a clean driving record, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the savings.

Because of the profiling, you need to quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Insurance agents can help

When buying coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's needs are different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Minnesota minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Additional information can be read on the Minnesota Department of Commerce website through this link. Visitors are able to view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Other informative sites include Wikipedia and this Claremont agent directory.

Minnesota car insurance

Best coverage at the best price

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. In many instances, someone dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at an affordable rate.

We just covered a lot of tips how to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from an unexpected company.

The cheapest car insurance can be bought both online as well as from independent agents in Claremont, so you should be comparing quotes from both to have the best selection. There are still a few companies who don't offer online price quotes and most of the time these small insurance companies sell through independent agents.