Car Insurance in Long Lake - 8 Ways to Save Money

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Minnesota.

You have multiple to buy insurance from, and even though it's nice to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews since rates are constantly changing. Even if you got the best rates a few years ago there may be better deals available now. There is too much inaccurate information about car insurance on the web, but we're going to give you some great ways to stop overpaying for insurance.

Long Lake car insurance quote

Save big with these eight discounts

Car insurance companies don't list every available discount very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Multi-policy Discount - When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Employee of Federal Government - Simply working for the federal government may qualify you for a discount with certain companies.
  • Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
  • Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education - Require your teen driver to take driver's ed class if it's offered in school.
  • Driver Safety - Taking part in a driver safety course could save 5% or more depending on where you live.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way.

For a list of providers who offer car insurance discounts in Minnesota, click here.

Compare Long Lake Car Insurance Costs

There are several ways to compare rate quotes and find the best price. The recommended way to compare insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quotes to each individual car insurance company. In just a few minutes this one form gets rate comparisons instantly.

A different way to get quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For example, let's say you want rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Long Lake, click here.

However you get your quotes, ensure you're using identical information for each comparison quote. If you have higher or lower deductibles it's not possible to determine the lowest rate in Long Lake. Slightly different limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate the best price.

Affordable insurance is out there

When shopping online for car insurance, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Affordable car insurance can be purchased from both online companies and with local Long Lake insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.