Comparing Low-Cost Harmony Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Minnesota.

Because you have many insurance companies to choose from, it is very difficult to choose the most affordable insurance company.

Cheap Harmony Auto Insurance Comparisons

Effectively comparing auto insurance prices can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Harmony, or you can utilize the web for quick rates.

All the larger companies participate in a marketplace that allows shoppers to complete one form, and each participating company returns a rated price based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

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

One minor caviat to doing it this way is you are unable to specify which companies you want pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of low cost auto insurance companies in Minnesota. Click to view list.

It's up to you how you get prices quotes, just ensure you're using apples-to-apples information for each price quote. If you have higher or lower deductibles it will be next to impossible to truly determine the lowest rate in Harmony. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best price.

Understand what determines the rate you pay

It's important that you understand the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

Do you have enough liability coverage? - Liability coverage will protect you if a court rules you are at fault for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Keep rates low by being claim-free - Auto insurance companies in Minnesota give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
Where you live - Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers means reduced accidents.
Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations such as lawyers, executives and stock brokers are shown to have the highest rates attributed to high stress and long work days. On the other hand, occupations like farmers, students and performers pay the least.
Bump up deductibles to save - Physical damage deductibles represent how much money you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Things like vanishing deductibles, accidental death and membership fees may be wasting your money. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
Safer cars are cheaper to insure - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.

How much can you save with discounts?

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked for before you will receive the discount.

Club Memberships - Participating in a professional or civic organization could trigger savings when buying auto insurance.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off depending on your company.
Auto/Home Discount - When you have multiple policies with one company you will save at least 10% off all policies.
Good Students Pay Less - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
No Claims - Claim-free drivers can save substantially when compared with frequent claim filers.

Keep in mind that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

For a list of insurers who offer auto insurance discounts in Minnesota, click this link.

More information can be found on the website for the Minnesota Department of Commerce through this link. Minnesota consumers can find out which companies have the most complaints, download brochures, view agent and company licensing information, and file complaints about a company.

Other useful links include this link for Minnesota auto insurance quotes and this link which helps you find a Harmony agent.

Do the work, save more money

Affordable auto insurance can be purchased online in addition to many Harmony insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.