9 Ways You Can Buy Car Insurance for Less in Maple Plain Minnesota

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in Minnesota.

With so many car insurance companies to choose from, it is hard for the average consumer to choose the cheapest provider.

Finding affordable coverage in Maple Plain is quite easy. In a nutshell, every vehicle owner who has to buy car insurance will most likely be able to save money. Nevertheless, Minnesota car owners do need to know how the larger insurance companies sell online and apply this information to your search.

Cheap Maple Plain Car Insurance Comparisons

Effectively comparing car insurance prices can be a daunting task if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Maple Plain, or you could use the internet to get the quickest rates.

All the larger companies take part in a program that allows shoppers to complete one form, and every company returns a rated price based on the submitted data. This saves time by eliminating quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose which companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we have a listing of companies who write car insurance in Minnesota. Click to view list.

It's your choice how you get your quotes, but ensure you're using apples-to-apples quote information with each company. If each company quotes mixed coverages then you won't be able to make an equal comparison in Maple Plain. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes provides better odds of finding the best offered rates.

Be sure to get all your discounts

Car insurance companies don't always publicize all available discounts very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Club Memberships - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.
  • Accident Free - Claim-free drivers can save substantially when compared with frequent claim filers.
  • One Accident Forgiven - Some insurance companies allow you one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Military Rewards - Being on active duty in the military may qualify for rate reductions.
  • Early Switch Discount - Some companies give discounts for switching to them before your current policy expires. It's a savings of about 10%.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.

It's important to understand that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, it doesn't quite work that way.

For a list of insurers who offer car insurance discounts in Minnesota, click here to view.

More tips and info about car insurance can be found at the Minnesota Department of Commerce website. Consumers can find out which companies have the most complaints, read industry bulletins, learn about insurance regulations, and find out industry alerts.

Other useful links include this link for Minnesota car insurance quotes and this link which helps you find a Maple Plain agent.

Affordable insurance is out there

Low-cost car insurance can be sourced from both online companies and with local Maple Plain insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, do not reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage only to discover later they didn't purchase enough coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.