Top 7 Ways to Pay Less on Car Insurance in Maple Lake

Nobody I know likes having to buy car insurance, especially when they are paying too much.

Having so many companies to choose from, it is very difficult to pick the lowest price insurer.

It's important to check car insurance prices occasionally since rates are constantly changing. Even if you think you had the lowest price two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance on the web, but we're going to give you some great ways to find affordable car insurance.

Buying car insurance in Maple Lake is easy if you know what you're doing. If you are paying for car insurance now, you should be able to cut costs considerably using these methods. But Minnesota car owners do need to know the way companies market insurance on the web because it can help you find the best coverage.

Minnesota car insurance

Finding Car Insurance Deals in Maple Lake, MN

There are several ways to compare rate quotes from different Maple Lake insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do multiple quote forms to each individual car insurance company. A single form will get you price quotes from multiple low-cost companies.
  • A different way to compare rate quotes requires a visit to each company website to request a price quote. For examples sake, let's assume you want to compare , and . To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular.

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

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage limits for each price quote. If the quotes have differing limits it's not possible to truly determine the lowest rate in Maple Lake. Having just a slight variation in insurance coverages can make a big difference in price. And when quoting car insurance, remember that quoting more provides better odds of finding better pricing.

Take advantage of discounts

Auto insurance companies do not list every available discount very well, so we researched some of the more common as well as the least known ways to save on car insurance.

  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Safety Course Discount - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Auto/Life Discount - Select insurance companies reward you with a break if you buy auto and life insurance together.

Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don't profit that way.

To see a list of providers with discount car insurance rates in Minnesota, click this link.

How to know if you need help

When choosing the best car insurance coverage for your vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out whether your personal situation might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

For more Minnesota car insurance information

More detailed Minnesota car insurance information is located at the Minnesota Department of Commerce website. Consumers can file complaints about a company, read consumer alerts, discover disciplinary actions, and find out industry alerts.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Maple Lake Minnesota.