Compare Fergus Falls Auto Insurance Prices With These Tricks

Are you overwhelmed by the number of auto insurance companies in Fergus Falls? You're not the only one! You have so many companies to choose from that it can turn into a ton of work to find better rates.

More discounts equal less premium

Car insurance companies don't always advertise every discount in an easy-to-find place, so here is a list both the well known and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit possible, you're paying more than you need to.

Student Driver Training - Have your child successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles can qualify you for better rates on cars that stay parked.
Paperwork-free - A handful of insurance companies may give you up to $50 for buying your policy on their website.
Multiple Vehicles - Having multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
No Charge for an Accident - A few companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of insurance companies who offer auto insurance discounts in Fergus Falls, click this link.

Quick Fergus Falls Auto Insurance Quotes

Most companies such as State Farm, Allstate and GEICO provide coverage prices on the web. This process is pretty painless as you simply type in the coverage amounts you desire into the quote form. Once you submit the form, the system will obtain your credit score and driving record and returns pricing information based on many factors.

Quoting online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

The preferred way to find better auto insurance pricing uses one form that gets prices from more than one company. It's a real time-saver, reduces the work, and makes comparison shopping much more efficient. After sending your information, it gets priced and you can select any of the price quotes you receive. If you find a better price you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you complete the form with the coverage information identical to your current policy. This makes sure you are getting a price comparison based on the exact same insurance coverage.

Fergus Falls Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

Optional equipment can affect rates - Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
Little extras can really add up - There are a ton of extra coverages that can waste your money when buying auto insurance. Coverages like personal injury protection, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment initially, but if they're wasting money get rid of them and save.
Discounts for married couples - Being married can get you a discount on your auto insurance policy. Having a significant other means you're more responsible and statistics show being married results in fewer claims.
Liability coverage protects you - Liability coverage provides coverage when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
Mature drivers pay less - Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be more careless when behind the wheel therefore auto insurance rates are much higher.
Women pay lower rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both cause accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Please use or commuting - Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because it can save money.

Switch companies and save? Really?

Consumers in Minnesota can't get away from ads that promise big savings by State Farm, Allstate and GEICO. They all make the same claim about savings after switching to their company.

How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a driver they prefer might be over the age of 50, has no tickets, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile will be quoted higher prices which leads to the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings. This emphasizes why drivers must compare as many rates as you can. It's impossible to know which auto insurance company will fit your personal profile best.

And the best car insurance company is...

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, an unsatisfactory settlement offer or lack of trust in their agent. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

Cheap auto insurance can be sourced both online and also from your neighborhood Fergus Falls agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and these smaller companies work with independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Find out more about auto insurance

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