How to Know You're Throwing Money Away for Auto Insurance in Detroit Lakes
Have you had enough of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other Minnesota drivers. Because you have many companies to choose from, it can be hard to pick the most cost effective provider.
It's important to compare prices once or twice a year since insurance rates are constantly changing. Just because you found the lowest price six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the quickest way to find great coverage at a great price.
Comprehensive Auto Insurance Comparison in Detroit Lakes
Cutting your Detroit Lakes auto insurance rates doesn't have to be difficult. Just invest a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.
- The recommended way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form keeps you from doing boring form submissions for every auto insurance company. Taking the time to complete one form gets you price quotes from all major companies.
- A harder way to compare rate quotes requires a trip to the website for each individual company and complete a new quote form. For example, let's say you want rates from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method.
To view a list of companies in Detroit Lakes, click here.
It doesn't matter which method you choose, just double check that you are using apples-to-apples quote information on every quote. If you have mixed coverages it will be next to impossible to make a fair comparison in Detroit Lakes.
Take advantage of discounts
Car insurance companies don't always list all their discounts very well, so we researched some of the best known and the more hidden ways to save on auto insurance. If you don't get every credit available, you're paying more than you need to.
- New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
- Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- Multiple Cars - Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
- Bundle and Save - When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
- No Accidents - Claim-free drivers pay much less as compared to bad drivers.
- One Accident Forgiven - Some insurance companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.
To see a list of companies with discount auto insurance rates in Minnesota, click this link.
More Minnesota auto insurance information
Even more information is located at the Minnesota Department of Commerce website. Minnesota drivers can file complaints about an insurance agent or broker, view a list of available companies, report car insurance fraud, and read consumer alerts.
Additional helpful sites include Auto Insurance 101 and this page where you can research Detroit Lakes insurance agents.
