Dilworth Auto Insurance For Less Than You're Paying Now

Purchasing the most affordable Dilworth auto insurance online is challenging for beginners to comparison shopping online. With dozens of online companies available, how can you possibly compare every one to find the lowest rates?

Which Auto Insurance is Cheapest in Dilworth, Minnesota?

There are several ways of comparing rates from local Dilworth auto insurance companies. The recommended way to find the cheapest insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating boring form submissions to each individual auto insurance company. One form submission will get you rate comparisons from all major companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online requires you to visit the website of each company to complete a price quote. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Dilworth, click here.

The most time-consuming way to get comparison rates is to waste gas driving to insurance agents' offices. The internet makes this process obsolete unless you require the trained guidance only provided by licensed Dilworth agents. It is possible to compare the best prices online and still use a local agent. We'll cover that shortly.

Whichever method you choose, ensure you are comparing identical coverage information with each company. If you have unequal deductibles or liability limits it's not possible to make an equal comparison in Dilworth. Slightly different coverages can make a big difference in price. Just remember that quoting more helps locate the best offered rates.

What determines how much you pay?

It's important that you understand the factors that help determine the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The following are some of the factors companies use to determine prices.

Save money with special equipment - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
Having a spouse can save you money - Being married can get you a discount on auto insurance. Having a significant other is viewed as being more responsible and it's proven that married drivers get in fewer accidents.
Older drivers save more - Youthful drivers in Minnesota are known to be careless and easily distracted when driving so they pay higher auto insurance rates. If you've ever had to add a young driver to your policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
Men pay higher rates - Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically get more serious tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
Big city or small town - Residing in less populated areas can save you money when talking about auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Better credit means lower rates - Having a bad credit history is a important factor in determining what you pay for auto insurance. So if your credit score is not that good, you could be paying less to insure your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Save big with these discounts

Companies don't necessarily list every discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving.

Payment Method - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Paperwork-free - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Accident Waiver - Certain companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
Multiple Policy Discount - When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
Passive Restraint Discount - Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of insurance companies who offer auto insurance discounts in Minnesota, click here.

Even more information is available at the Minnesota Department of Commerce website. Visitors are able to view a list of available companies, get help finding coverage, and read enforcement actions against agents and companies.

Final considerations

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund and denial of a claim. Whatever your reason, choosing a new insurance company is not as hard as you think.

Cheap auto insurance can be bought both online and with local Dilworth insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.