Finding Cheap Duluth Car Insurance

No one in their right mind cherishes buying car insurance, especially when they are paying too much. Consumers have many to buy insurance from, and even though it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates occasionally because rates are constantly changing. Just because you found the best deal a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because you're going to learn the only way to properly buy coverages and cut your premium.

Are you getting all your discounts?

Auto insurance companies don't necessarily list every available discount very clearly, so here is a list some of the more common and also the lesser-known ways to save on car insurance. If you're not getting every credit you qualify for, you are throwing money away.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Cars - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Accident Forgiveness - Certain companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multi-policy Discount - If you have multiple policies with one insurance company you may earn up to 20% off your total premium.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous.

Duluth car insurance quote

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions might point out whether you could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I buy only the required Minnesota minimum liability coverage?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance 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. It's fast, doesn't cost anything and you can get the answers you need.

How can Allstate and Progressive save drivers who switch?

Consumers get pounded daily by advertisements for cheaper car insurance by Allstate and Progressive. All the ads make the same claim about savings if you change to their company.

How does each company make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a preferred risk could be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save that much. That is how companies can truthfully advertise the way they do. That is why you should quote coverage with many companies. Because you never know which company will provide you with the cheapest rates.

For more Minnesota car insurance information

Even more information is available at the Minnesota Department of Commerce website. Consumers can find out industry alerts, read consumer alerts, find out which companies have the most complaints, and learn about insurance regulations.

Duluth car insurance quote

In the end, you save

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Cheap car insurance can be sourced from both online companies and also from your neighborhood Duluth agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We just showed you many ideas to reduce car insurance prices online. It's most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small mutual company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .