6 Top Tips to Reduce Car Insurance Costs in Crookston, MN

Are you intimidated by the wide range of car insurance options in Crookston? Many other drivers are as well. People have so many options available that it can turn into a real challenge to find the lowest price.

How much can you save with these six discounts?

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. A few discounts will automatically apply when you complete an application, but some may not be applied and must be manually applied before they will apply. If you don't get every credit possible, you are throwing money away.

  • Clubs and Organizations - Being a member of a professional or civic organization may earn a discount when buying car insurance.
  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Life Insurance Discount - Some companies give a break if you buy auto and life insurance together.
  • No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.

It's important to note that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce the amount you have to pay.

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

Consumers in Minnesota get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you change to their company.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a profitable customer might be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile must pay higher rates and this can result in the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the way they do.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Minnesota car insurance

More information can be read on the Minnesota Department of Commerce website. Click here for link. Visitors are able to find out which companies have the most complaints, report car insurance fraud, and file complaints about an insurance agent or broker.

Also read more on this link for Minnesota car insurance quotes and this link which helps you find a Crookston agent.

In the end, you save

Lower-priced car insurance can be sourced both online and also from your neighborhood Crookston agents, so compare prices from both to get a complete price analysis. Some car insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just covered a lot of ways to reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best prices are with a lesser-known regional company.