Car Insurance in Deer Creek, MN - 6 Tricks to Save Money

Are you intimidated by the wide range of car insurance options in Deer Creek? You're not the only one! Consumers have so many choices that it can turn into a big hassle to find better rates.

compare Deer Creek car insurance rates

How to Compare Car Insurance Quotes in Deer Creek, Minnesota

Effectively comparing car insurance prices can take hours if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Deer Creek, or you could use the web to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and each participating company provides a quote. This eliminates the need for quote requests for each company you want a rate for.

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

The one disadvantage to doing it this way is you are unable to specify which providers to get quotes from. If you prefer to choose specific insurance companies to compare, we put together a list of companies who write car insurance in Minnesota. Click to view list.

Which method you use is up to you, but ensure you are comparing exactly the same information for each price quote. If you are comparing higher or lower deductibles you can't possibly truly determine the lowest rate in Deer Creek. Just a small difference in coverages may result in large price differences. Just remember that comparing more company's prices will increase your chances of finding the best price.

How much can you save with these six discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked for before you will receive the discount.

  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Deer Creek, follow this link.

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

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing about savings after switching your coverage to them. How can each company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a driver they prefer might be a mature driver, has no driving citations, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements will be quoted higher premiums which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings.

This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional information can be read on the Minnesota Department of Commerce website found here. Visitors are able to view a list of available companies, report car insurance fraud, and file complaints about an insurance agent or broker.

Affordable insurance is out there

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, delays in paying claims or even unfair underwriting practices. It doesn't matter what your reason, finding a new car insurance company is easier than you think.

Cheaper car insurance can be purchased both online as well as from independent agents in Deer Creek, and you need to price shop both to have the best chance of lowering rates. A few companies don't offer online price quotes and these small insurance companies work with independent agents.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.