Top 9 Ways to Save Money on Car Insurance in Danube

Paying for high-priced car insurance can empty your bank account and force you to make sacrifices. Comparison shopping is a smart way to tighten up your finances.

Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes yearly since rates are constantly changing. Even if you think you had the best price a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you're about to find out how to quote online to reduce your cost while improving coverage.

Compare Car Insurance Today

The are a couple different ways to compare rate quotes from local Danube car insurance companies. One of the best ways to compare insurance prices is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for repetitive form submissions to each individual car insurance company. A single, simple form will get you price quotes from multiple companies.
A different way to shop for car insurance online requires a visit to the website for each individual company and request a quote. For instance, let's say you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Danube, click here.
The least efficient way of getting rate comparisons is driving to different Danube agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance only provided by licensed Danube agents. You can, however, find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, make sure you use exactly the same coverage limits with every price quote. If your comparisons have differing limits it's impossible to find the best deal in Danube. Just a small difference in coverages could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding better pricing.

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every available discount in a way that's easy to find, so we took the time to find some of the more common as well as the least known car insurance savings.

Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Low Mileage - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Multi-policy Discount - If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
No Claims - Drivers who don't have accidents can save substantially compared to accident-prone drivers.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Resident Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
Government Employees - Employees or retirees of the government may qualify you for a discount with certain companies.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

To choose providers with discount car insurance rates in Danube, follow this link.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing about savings if you change your policy. How can each company make the same claim?

All the different companies have a preferred profile for the right customer that makes them money. For example, a preferred risk could be a mature driver, has no prior claims, and has excellent credit. Any new insured who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully make those claims. That is why you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Even more information can be found at the Minnesota Department of Commerce website. Consumers can find out industry alerts, file complaints about an insurance agent or broker, find disaster information, and view a list of available companies.

Do the work, save more money

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time they didn't purchase enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheaper car insurance is attainable from both online companies in addition to many Danube insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.