Easy Ways to Spend Less on Clearbrook Car Insurance

Buying low-cost Clearbrook car insurance on the web can seem to be somewhat difficult for beginners to buying insurance online. With so many choices of companies in the marketplace, how can consumers even start to compare every one to find the lowest price?

It's important to compare prices quite often since rates are constantly changing. Just because you had the best deal a couple years back there is a good chance you can find better rates now. So just ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

Finding affordable coverage in Clearbrook is quite easy. If you currently have a car insurance policy, you should be able to save some money using this information. Nevertheless, Minnesota car owners do need to know the way companies sell insurance online and take advantage of how the system works.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the factors car insurance companies consider when setting your rates.

One company can mean more discounts - Most car insurance companies give discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to ensure the best deal.
Teen drivers pay high rates - Young drivers in Minnesota are statistically proven to be less responsible when driving so car insurance rates are higher. Parents adding a young driver to your car insurance policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Tickets mean higher rates - Careful drivers get better rates than bad drivers. Only having one citation can boost insurance rates by as much as thirty percent. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Poor credit can mean higher rates - Your credit score is a big factor in determining what you pay for car insurance. If your credit rating is lower than you'd like, you could save money insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
Discounts for married couples - Being married can actually save you money on your car insurance policy. Marriage means you're more mature and responsible and statistics show married drivers get in fewer accidents.

Free Clearbrook Car Insurance Quotes

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You can spend your afternoon driving to agents in Clearbrook, or you could use online quotes to get the quickest rates.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company can give them a price determined by their information. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To submit your quote information now, click here to open in new window.

The only downside to using this type of form is you can't choose which providers you want to price. So if you want to choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in Minnesota. Click here for list of insurance companies in Minnesota.

It's up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages and limits with each company. If your comparisons have different deductibles you can't possibly make an equal comparison in Clearbrook. Having just a slight variation in coverage limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding a lower rate.

How much can you save with discounts?

Companies offering auto insurance don't list every available discount very well, so here is a list some of the more common and also the lesser-known ways to save on car insurance.

Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
New Car Discount - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Early Signing - Some companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Accident Waiver - Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
Good Student Discount - This discount can earn a discount of 20% or more. The discount lasts until age 25.
Multi-car Discount - Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.

It's important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.

To choose providers offering car insurance discounts in Minnesota, click this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads make the same claim of big savings if you switch to their company. But how can every company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. An example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be charged more money which leads to business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently advertise the way they do. That is why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

How much car insurance do I need?

When buying proper insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's.

For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Do I need PIP (personal injury protection) coverage in Minnesota?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

More tips and info about car insurance is available at the Minnesota Department of Commerce website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and file complaints about a company.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Clearbrook insurance agents.

Final considerations

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. Too many times, drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to buy enough coverage at the best price, not the least amount of coverage.

You just learned some good ideas how to compare car insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from a small mutual company.

Low-cost car insurance is available from both online companies and also from your neighborhood Clearbrook agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.