Easy Ways to Save Money on Maple Grove Auto Insurance

Are you overwhelmed by the dozens of auto insurance choices in Maple Grove? Many other drivers are as well. You have so many options available that it can turn into a real challenge to find the best price.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Understanding what influences your rates enables informed choices that will entitle you to better auto insurance rates.

Your stress level may be raising your rates - Careers like judges, business owners and accountants tend to have higher rates than average due to high stress and long work hours. On the flip side, professions such as actors, athletes and retirees receive lower rates.
Choose a safe vehicle and save - Safer cars can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
Pay less after the wedding - Having a wife or husband helps lower the price on your policy. Having a significant other means you're more mature and statistics show being married results in fewer claims.
A clean driving record saves money - A bad driving record impacts your car insurance rates tremendously. Even one citation can boost insurance rates by twenty percent. Careful drivers get better rates than their less careful counterparts. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Poor credit can mean higher rates - Having a bad credit score is a big factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. So if your credit is low, you could save money insuring your by repairing your credit.
You might want pay the small claims yourself - Companies in Minnesota award better rates to drivers who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.

Compare the Market for Auto Insurance in Maple Grove

There are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the cheapest insurance rates is to get quotes online. This is very easy and can be done in several different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quotes for each company. Completing one form will get you price quotes instantly. This is perfect if you don't have a lot of time.
A harder way to get quotes online requires a visit to the website of each company to request a price quote. For sake of this example, we'll assume you want to compare rates from , and . You would have to spend time on each company's site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Maple Grove, click here.

It's your choice how you get your quotes, but compare the exact same coverage limits for each price quote. If each company quotes differing limits you can't possibly truly determine the lowest rate in Maple Grove. Quoting even small variations in limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will enable you to find better pricing.

Save big with these discounts

Companies don't list every discount in an easy-to-find place, so we researched some of the best known and also the lesser-known savings tricks you should be using.

No Accidents - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Organization Discounts - Affiliation with certain professional organizations is a good way to get lower rates when shopping for auto insurance.
Homeowners Discount - Simply owning a home can help you save on auto insurance because maintaining a house shows financial diligence.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.

Keep in mind that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, it just doesn't work that way.

To choose insurance companies with discount auto insurance rates in Maple Grove, click here to view.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all make an identical promise that you can save if you change to their company. How do they all say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be profiled as between 30 and 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will be quoted higher premiums and ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do. This emphasizes why you need to compare many company's rates. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional detailed information is located at the Minnesota Department of Commerce website. Minnesota drivers can read industry bulletins, find disaster information, and find out which companies have the most complaints.

Affordable insurance is out there

People leave their current company for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, questionable increases in premium or even an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company is easier than you think.

Affordable auto insurance is attainable on the web and also from your neighborhood Maple Grove agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

Throughout this article, we presented many tips how you can compare auto insurance prices online. It's most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a small mutual company.