Top 8 Ways to Save Money on Car Insurance in Courtland

Overpriced car insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

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

car insurance in Courtland

How to Buy Courtland Car Insurance Online

There are several ways to get quotes from local Courtland car insurance companies. The best method to find the lowest rates is to get quotes online. This can be done in several different ways.

  • The recommended way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form prevents you from having to do repetitive form entry for each company. One form will get you price quotes direct from many companies.
  • A more time consuming way to get quotes online requires a visit to the website for every company you want to comare to request a price quote. For instance, we'll pretend you want comparison quotes from , and . You would have to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in Courtland, click here.
  • The hardest way of getting rate comparisons is to drive around to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional advice of a licensed agent. Drivers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just make darn sure you compare identical coverage limits for each price quote. If you are comparing differing limits it will be next to impossible to truly determine the lowest rate in Courtland. Having just a slight variation in limits may result in large price differences. And when comparison shopping, comparing more company's prices helps locate better pricing.

Save big with these eight discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Citizens - Mature drivers may receive a discount up to 10%.
  • Student in College - Any of your kids who attend school more than 100 miles from home and don't have a car may qualify for this discount.
  • Drivers Education - Have your child enroll in driver's education if offered at their school.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
  • Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
  • Air Bag Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free car insurance policy, it just doesn't work that way. But any discount will bring down your overall premium however.

To see a list of insurers with discount car insurance rates in Minnesota, click this link.

But I don't know anything about car insurance

When choosing adequate coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation may require specific advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Do I pay less if my vehicle is kept in my garage?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • What happens if I owe more than my vehicle is worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

More information can be found on the website for the Minnesota Department of Commerce through this link. Visitors are able to discover disciplinary actions, learn about insurance regulations, read enforcement actions against agents and companies, and view a list of available companies.