How to Know You're Paying Too Much for Car Insurance in Conger

I can't think of anyone who likes having to buy car insurance, particularly when their premiums are too high. You have multiple to pick from, and although it's a good thing to have multiple companies, having more makes it harder to compare rates.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically before you will receive the discount. If you're not getting every credit you qualify for, you are throwing money away.

Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Distant Student - Children who are attending college without a vehicle on campus can be insured at a reduced rate.

It's important to note that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, you're out of luck. But any discount will bring down the cost of coverage.

Why some people pay less for insurance in Conger

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower car insurance prices.

The list below includes a partial list of the pieces companies use to determine prices.

Too many car insurance claims drive up costs - If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Companies in Minnesota provide lower rates to drivers who file claims infrequently. Auto insurance is intended for larger claims.
Do you qualify for a multi-policy discount? - The majority of companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to compare other company rates to make sure you are getting the best deal.
Theft deterrents lower rates - Owning a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
Rural vs Urban Areas - Living in a rural area can save you money when talking about car insurance. City drivers tend to have traffic congestion and much longer commute distances. Lower population means fewer accidents as well as less vandalism and auto theft.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every insured's situation is different and a cookie cutter policy won't apply. For instance, these questions might point out whether you might need an agent's assistance.

Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
What are Minnesota no-fault laws?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers in Minnesota get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all say the same thing that you can save if you move to them.

How does each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a driver they prefer might be between the ages of 30 and 50, owns a home, and has a high credit rating. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save money. That is how insurance companies can state the savings.

This emphasizes why drivers should get quotes from several different companies. You cannot predict which company will have the lowest rates.

More information is located on the website for the Minnesota Department of Commerce. Click here for link. Visitors are able to download brochures, read consumer alerts, view a list of available companies, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in Minnesota and this list of insurance agents in Conger.

In the end, you save

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just presented a lot of tips how to reduce car insurance prices online. The key concept to understand is the more price quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the lowest rates come from a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as .