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

Having to pay for overpriced auto insurance can drain your savings account and put the squeeze on your family's finances. Comparing price quotes is a smart way to tighten up your finances. Popular companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates yearly since insurance rates are constantly changing. Just because you found the best price last year there may be better deals available now. Forget all the misinformation about auto insurance because you're about to find out the quickest way to reduce your cost while improving coverage.

If you have a policy now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Choosing the best insurance company for you in Foley is quite easy. Minnesota drivers only need an understanding of the proper way to find the lowest price on the web.

Foley auto insurance comparison

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but a few need to be asked for prior to receiving the credit. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • College Student - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
  • Discount for Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course if offered at their school.
  • Government Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Senior Discount - Older drivers may receive better auto insurance rates.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will reduce your premiums.

For a list of companies with discount auto insurance rates in Foley, follow this link.

Where Can I Get Cheap Foley Auto Insurance?

There are multiple methods to compare auto insurance quotes, and some are easier and takes less work. You can waste hours talking to insurance companies in Foley, or you could save time and use the web to get rates in a matter of minutes.

Most car insurance companies enroll in a system that enables customers to enter their policy data once, and each company then gives them pricing. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you cannot specify the companies to receive prices from. If you wish to select specific providers to compare rates, we have a listing of auto insurance companies in Minnesota. Click here to view list.

It doesn't matter which method you choose, just make sure you use exactly the same quote information for every quote you compare. If you compare mixed coverages it's impossible to determine the best price in Foley.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Foley?
  • Should I buy additional glass protection?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

A tidy conclusion

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.

Cost effective auto insurance can be sourced on the web and also from your neighborhood Foley agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.