8 Tips Shown to Slash the Cost of Car Insurance Costs in Easton

Scraping up a payment for overpriced car insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to lower your monthly bill.

You have multiple to buy insurance from, and although it's a good thing to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since rates are constantly changing. If you had the lowest rates last year you can probably find a better price now. Starting right now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

Finding the cheapest car insurance coverage in Easton is not that difficult. Basically, anyone who is required by state law to have car insurance will be able to lower their premiums. But Minnesota consumers do need to know how big insurance companies market on the web and use this information to your advantage.

Minnesota car insurance quotes

Take advantage of discounts

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked for before they will apply.

  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Accident Free - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
  • Accident Waiver - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Bundle and Save - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break on car insurance.
  • Drive Less and Save - Keeping the miles down can earn lower rates on the low mileage vehicles.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

To choose companies with the best car insurance discounts in Minnesota, follow this link.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to say the same thing that you'll save big if you move to them. How does each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured might be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and most likely will save when switching.

Consumers who don't qualify for these standards will have to pay higher rates which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save money. This is how companies can claim big savings.

Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

How to know if you need help

When buying adequate coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Much more information about car insurance in Minnesota can be found on the website for the Minnesota Department of Commerce found here. Visitors are able to view agent and company licensing information, learn about insurance regulations, read industry bulletins, and get help finding coverage.

Easton car insurance comparison

The best insurance company isn't always the cheapest

When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. The ultimate goal is to get the best coverage possible at the best price.

Budget-conscious car insurance is definitely available both online and with local Easton insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.