How to Know You're Paying Too Much for Auto Insurance in Cook

No one in their right mind cherishes buying auto insurance, especially knowing their premiums are through the roof.

There are many to buy insurance from, and even though it's nice to have a selection, it makes it harder to compare rates.

Vehicle Insurance Comparison

Performing a rate comparison can be exhausting if you aren't aware of the fastest way to get free quotes. You can spend countless hours talking to local insurance agents in Cook, or you could use online quotes to achieve your goal.

The majority of car insurance companies participate in an industry program that allows shoppers to submit their information once, and at least one company returns a rated price for coverage. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you don't know exactly the providers you want pricing from. So if you prefer to choose specific providers to receive pricing from, we put together a list of companies who write auto insurance in Minnesota. Click here to view list.

However you get your quotes, be sure to compare identical coverage limits on every quote. If you use differing limits you can't possibly make a fair comparison in Cook. Slightly different coverages can make a big difference in price. Keep in mind that quoting more helps locate better pricing.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be asked about before they will apply.

  • Homeowners Savings - Owning a home in Cook can save you money because maintaining a house is proof that your finances are in order.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Memberships - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
  • Pay Now and Pay Less - By paying your policy upfront instead of paying each month you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with discount auto insurance rates in Minnesota, click here.

How do I know if I need professional advice?

When choosing adequate coverage for your vehicles, there isn't really a single plan that fits everyone. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help highlight whether or not you may require specific advice.

  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?

If you can't answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Additional information can be found on the website for the Minnesota Department of Commerce found here. Minnesota drivers can report car insurance fraud, file complaints about a company, discover disciplinary actions, and download brochures.