Tightwads Guide for Saving on Hamel Auto Insurance

I can't think of a single person who looks forward to paying for auto insurance, in particular when the price is too high.

Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it can be hard to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to save some money using these techniques. Choosing the best insurance company for you in Hamel is quite easy. Nevertheless, Minnesota drivers do need to know the way insurance companies sell online and take advantage of how the system works.

auto insurance in Hamel

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you quote, but some must be asked for prior to getting the savings.

  • Driver Safety - Taking a course in driver safety can save you 5% or more depending on where you live.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Savings - Owning a home in Hamel can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education if it's offered in school.
  • Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for a substantially lower rate.
  • Early Switch Discount - A few companies offer discounts for switching policies before your current policy expires. It's a savings of about 10%.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.

Consumers should know that some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will reduce your premiums.

For a list of insurers who offer auto insurance discounts in Hamel, click here.

Automobile Insurance Quotes in Hamel, MN

There are multiple methods to shop for auto insurance, but some are easier and takes less work. You can waste hours driving to insurance agencies in Hamel, or you can utilize the web to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each company provides a quote for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

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

The only downside to comparing rates this way is you are unable to specify the companies to get pricing from. If you would rather choose individual companies to compare rates, we have a listing of low cost auto insurance companies in Minnesota. Click to view list.

Whichever method you choose, make absolute certain that you use exactly the same quote information on every quote you get. If you use mixed coverages it will be next to impossible to determine which rate is truly the best in Hamel. Slightly different coverage limits can make a big difference in price. And when quoting auto insurance, remember that quoting more will increase your chances of finding the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Affordable insurance is out there

Cost effective auto insurance can be sourced online and with local Hamel insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.