How to Know You're Spending Too Much for Auto Insurance in Eagan

Having to pay for overpriced auto insurance can overdraw your personal savings and make it hard to pay other bills. Comparing price quotes is a smart way to cut your insurance bill.

With consumers having so many options when it comes to auto insurance, it's nearly impossible to choose the best company.

It's important to check auto insurance prices quite often because prices are constantly changing. Even if you got the best deal a few years ago there may be better deals available now. Starting right now, ignore everything you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

Finding the best rates in Eagan is quite easy. Just about anyone who has to buy auto insurance should be able to reduce their rates. Nevertheless, Minnesota drivers do need to know how the larger insurance companies price online insurance and take advantage of how the system works.

Eagan auto insurance quote

Are you getting all your discounts?

Companies don't list every available discount very well, so here is a list both well-publicized and also the lesser-known auto insurance savings.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Resident Student - Children who live away from home and do not have a car can be insured at a reduced rate.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Accident Free - Drivers who don't have accidents can earn big discounts compared to frequent claim filers.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

It's important to understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way.

For a list of providers offering auto insurance discounts in Minnesota, follow this link.

Free Eagan Auto Insurance Quotes

Most major insurance companies quote prices for coverage on the web. This process is fairly straightforward as you simply enter your coverage information as detailed in the form. Once entered, the company's rating system will obtain credit information and your driving record and generates pricing information based on these and other factors. This makes comparing rates easy, but the time it takes to visit different websites and type in the same information can get tiresome after awhile. But it's very important to have as many quotes as possible if you are searching for the best price on auto insurance.

There is an easier way!

A more efficient way to locate the lowest prices uses one form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can choose any or none of the quotes that you receive. If you find a better price you simply finish the application and buy the policy. It takes just a few minutes to complete and can result in significant savings.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you complete the form with the limits and deductibles exactly as they are listed on your policy. This helps ensure you will get a price comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Minnesota?
  • What are Minnesota no-fault laws?
  • 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?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Shop smart and save

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Low-cost auto insurance can be found online and with local Eagan insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.