9 Ways You Can Buy Car Insurance for Less in Golden Valley

I can't think of anyone who looks forward to paying for car insurance, especially when the price is too high. Online insurance companies like GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons periodically since rates are constantly changing. Just because you found the best deal a couple years back you can probably find a lower rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Minnesota car insurance

How to Get Golden Valley Car Insurance Comparison Quotes

Most companies provide pricing online. Getting quotes is pretty easy as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, their rating system will obtain your driving and credit reports and generates pricing information determined by many factors. Online quotes makes comparing rates easy, but the time it takes to visit several different sites and type in the same information can be a bit repetitive. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A quicker way to compare rates is to use a quote form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process only takes a few minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it's recommended you replicate the limits and deductibles identical to your current policy. This ensures you will have rate comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies that sell car insurance don't list every available discount in a way that's easy to find, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Early Switch Discount - Select companies give a discount for switching to them before your current expiration date. It's a savings of about 10%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings - Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • 55 and Retired - Mature drivers may be able to get reduced rates.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of providers who offer car insurance discounts in Golden Valley, click this link.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so this has to be addressed. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Even more information is available at the Minnesota Department of Commerce website. Consumers can learn about specific coverages, file complaints about a company, report car insurance fraud, and download brochures.