Compare Laporte Auto Insurance Prices With These Methods

Are you intimidated by the crazy number of auto insurance options in Laporte? Lot's of other consumers are too. There are so many options available that it can turn into a big hassle to locate the lowest price.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on auto insurance.

Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
Multiple Policy Discount - When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Driver's Ed - Have your child successfully complete driver's ed class if it's offered in school.

It's important to note that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you're out of luck.

To see a list of insurance companies who offer auto insurance discounts in Minnesota, click this link.

Comprehensive Laporte Auto Insurance Comparison

Effectively comparing auto insurance prices can be challenging if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Laporte, or you can stay home and use online quotes to get the quickest rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company provides a quote based on that information. This system prevents you from having to do quote forms to each individual auto insurance company.

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

One minor caviat to getting quotes like this is you are unable to specify which carriers to get quotes from. If you prefer to choose individual companies to compare, we have assembled a list of the cheapest auto insurance companies in Minnesota. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples information for every quote you compare. If the quotes have higher or lower deductibles you will not be able to determine the best price in Laporte. Having just a slight variation in limits may result in large price differences. Just remember that comparing more company's prices provides better odds of finding the best price.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.

Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Do you know your deductibles? - Physical damage deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
Rural vs Urban Areas - Choosing to live in a small town can save you money when buying auto insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Lower population means reduced accidents.
One company can mean more discounts - Many auto insurance companies provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
Small claims can cost you - 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. Car insurance is intended to be relied upon for the large, substantial claims.
Mature drivers pay less - Teenage drivers in Minnesota are known to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim that you can save after switching your policy. But how can every company say the same thing? This is how they do it.

Different companies are able to cherry pick for the right customer that is profitable for them. For example, a driver they prefer might be profiled as a mature driver, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted higher prices which leads to business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, policy non-renewal or not issuing a premium refund. Regardless of your reason, switching auto insurance companies is actually quite simple.

Lower-priced auto insurance can be purchased on the web in addition to many Laporte insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

Additional detailed information can be found at the Minnesota Department of Commerce website. Minnesota drivers can view a list of available companies, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include this site for auto insurance rates in Minnesota and this list of insurance agents in Laporte, MN.