Easy Methods to Pay Less on Lindstrom Auto Insurance

Cutting costs on Lindstrom auto insurance is nearly impossible for consumers not familiar with comparison shopping online. People have so many companies to choose from that it can quickly become a lot of work to compare prices in Lindstrom.

It's important to compare rates before your policy renews because prices are constantly changing. Despite the fact that you may have had the lowest price a year ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you're about to find out one of the best ways to lower your rates without sacrificing coverage.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to find better prices and possibly find even better coverage. This article will let you in on the best way to quote coverages and some tricks to saving. Minnesota vehicle owners just need to know the proper way to compare prices over the internet.

You have some control over your rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

  • Men pay higher rates - The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and dentists tend to have the highest average rates because of stressful work requirements and lengthy work days. Other occupations like farmers, historians and performers receive lower rates.
  • Lower rates with optional equipment - Driving a car with an alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Your location affects your rates - Being located in a rural area can be a good thing when insuring your vehicles. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large Minnesota cities regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Careful drivers pay lower rates - Your driving citation history has a huge affect on how much you pay. Just one citation can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Never allow your policy to lapse - Letting your insurance expire will be a guaranteed way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Pay less after the wedding - Having a wife or husband can get you a discount on your policy. It means you're more mature than a single person and it's proven that drivers who are married are more cautious.
  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are how much you are required to spend before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Lindstrom auto insurance comparison

Cheap Lindstrom Auto Insurance Comparisons

There are several ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in Lindstrom, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies belong to an insurance system that allows shoppers to complete one form, and each participating company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests for each company you want a rate for.

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

One minor caviat to comparing rates this way is you cannot specify which providers to receive prices from. So if you prefer to pick specific providers to compare rates, we have a page of auto insurance companies in Minnesota. Click to view list.

It's your choice how you get your quotes, but ensure you're using exactly the same coverage information on every quote you get. If each company quotes unequal deductibles or liability limits it's not possible to determine which rate is truly the best in Lindstrom.

How much can you save with discounts?

Companies don't necessarily list all their discounts in a way that's easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren't receiving every discount available, you are paying more than you should be.

  • Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Bundle and Save - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Good Students Pay Less - This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Seat Belts Save - Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Organization Discounts - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.

Drivers should understand that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies who offer auto insurance discounts in Lindstrom, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Minnesota consumers can't ignore all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big after switching to their company.

How can each company make almost identical claims?

All companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be between 25 and 40, is a homeowner, and has excellent credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's why companies can make those claims. Because of the profiling, you need to get a wide range of price quotes. It's impossible to know the company that will have the lowest rates.

More detailed Minnesota auto insurance information is located at the Minnesota Department of Commerce website. Minnesota consumers can learn about insurance regulations, read industry bulletins, and view a list of available companies.

And the best car insurance company is...

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to discover later they didn't purchase enough coverage. Your aim should be to get the best coverage possible at a price you can afford.

People change insurance companies for a number of reasons such as denial of a claim, high rates after DUI convictions, extreme rates for teen drivers or even delays in paying claims. It doesn't matter what your reason, choosing a new insurance company is easier than you think.

Budget-conscious auto insurance can be bought online and also from your neighborhood Lindstrom agents, so you should compare both to have the best selection. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.