Top 8 Ways to Save Money on Car Insurance in Hampton

Expensive car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to slash your bill and have more diposable income. Online insurance companies like GEICO and Progressive continually hit you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices quite often since rates are constantly changing. Even if you think you had the best rates two years ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online but we're going to give you some great ways to save money.

Be sure to get all your discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be applied when you quote, but some may not be applied and must be specially asked for prior to getting the savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Senior Citizens - Mature drivers may receive better car insurance rates.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
Accident Waiver - A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Memberships - Being a member of a civic or occupational organization could qualify you for a break on your policy.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To see a list of providers with discount car insurance rates in Hampton, follow this link.

Low Cost Hampton Car Insurance

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in Hampton, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company can provide price quotes. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you can't choose which carriers you will receive quotes from. So if you want to choose from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in Minnesota. Click here to view list.

Whichever way you use, make darn sure you compare exactly the same coverage limits on every quote you get. If you are comparing differing limits you will not be able to determine which rate is truly the best in Hampton.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different so your insurance needs to address that. For example, these questions may help you determine whether or not you might need an agent's assistance.

Do I need to file an SR-22 for a DUI in Minnesota?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Do I have coverage for damage caused while driving under the influence?
What are the financial responsibility laws in Minnesota?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find 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.

Is there truth in advertising?

Consumers in Minnesota can't get away from ads for car insurance savings by State Farm and Allstate. All the ads say the same thing about savings if you change to their company.

How can each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

That is why drivers must quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

We just covered many ways to compare car insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like .

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cheap car insurance is attainable both online and also from your neighborhood Hampton agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More sites with car insurance information

Additional information can be read on the website for the Minnesota Department of Commerce. Click here for link. Visitors are able to file complaints about a company, learn about insurance regulations, find disaster information, and download brochures.