Top Ways to Save on Hastings Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are a lot of people in Hastings just like you who feel imprisoned by their auto insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices at least once a year since insurance rates are constantly changing. If you had the best deal last year there may be better deals available now. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

If you are insured now or are shopping for new coverage, you can use these techniques to find the best rates while maximizing coverage. Choosing the best insurance company for you in Hastings is quite easy. Minnesota drivers only need an understanding of the most effective way to find the lowest price online.

Minnesota auto insurance quotes

Don't pay full price with these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy qualifies for this discount.
  • No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
  • Bundle and Save - When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.

Consumers should know that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce your premiums.

For a list of companies with the best auto insurance discounts in Hastings, click here to view.

How to Compare Hastings Auto Insurance Costs

Shopping for lower auto insurance rates can be a daunting task if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Hastings, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace that enables customers to submit one quote, and at least one company then returns a price quote for coverage. This saves time by eliminating 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 using this type of system is you are unable to specify the companies you want to price. So if you want to select specific providers to compare, we have a listing of the cheapest auto insurance companies in Minnesota. View list of Minnesota insurance companies.

It's your choice how you get your quotes, but compare exactly the same coverages on every quote. If you use different limits and deductibles on each one you will not be able to make a fair comparison in Hastings.

And the best car insurance company is...

When trying to cut insurance costs, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price.

Cost effective auto insurance is definitely available on the web as well as from independent agents in Hastings, and you need to price shop both to get a complete price analysis. A few companies don't offer online quoting and most of the time these smaller companies sell through independent agents.