Easy Methods to Cut Costs on Kandiyohi Auto Insurance

Are you overwhelmed by the crazy number of auto insurance companies in Kandiyohi? Many other drivers are as well. Consumers have so many choices that it can turn into more work than you anticipated to locate the lowest price.

It's important to compare prices at least once a year because prices are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the only way to get good coverage at a lower rate.

Don't pay full price with these discounts

Companies don't list all their discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known auto insurance savings. If they aren't giving you every credit possible, you are throwing money away.

Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy on their website.
Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous.

The auto insurance bait and switch

Consumers in Minnesota get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch your coverage to them.

How do they all claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that much money. That's the way companies can truthfully claim big savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Even more information can be found at the Minnesota Department of Commerce website. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, and read consumer alerts.

And the best car insurance company is...

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Cheap auto insurance can be found both online as well as from independent agents in Kandiyohi, and you should compare price quotes from both so you have a total pricing picture. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We covered many ways to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a small local company.