10 Tricks to Save on Car Insurance in Gaylord

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are lots of people in the same boat. Drivers have so many to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount. If you're not getting every credit possible, you are throwing money away.

Sign Online - A handful of insurance companies will give a small break for buying your policy over the internet.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
No Charge for an Accident - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
New Car Discount - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Save $429 a year? Really?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise about savings after switching your coverage to them.

How does each company make the same claim?

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured could be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums and ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Minnesota car insurance

Additional information is available on the website for the Minnesota Department of Commerce located here. Consumers can get help finding coverage, report car insurance fraud, read enforcement actions against agents and companies, and read consumer alerts.

In the end, you save

Cheap car insurance can be bought from both online companies as well as from independent agents in Gaylord, so you should compare both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When shopping online for car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

You just learned many tips how you can reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .