5 Ways to Save on Car Insurance in Marine St Croix Minnesota

If you've never shopped for car insurance online, you can be overwhelmed by the vast number of car insurance companies all offering big savings in Marine St Croix.

The purpose of this article is to familiarize you with how to get online quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Minnesota vehicle owners just need to know the proper way to find the lowest price over the internet.

Don't pay full price with these 5 discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Some trigger automatically when you purchase, but lesser-known reductions have to be manually applied before being credited. If you're not getting every credit you qualify for, you are throwing money away.

  • Driver Safety - Taking a defensive driving course can save you 5% or more if you qualify.
  • Good Student - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Student in College - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Early Switch Discount - Some companies give discounts for buying a policy prior to your current policy expiring. It's a savings of about 10%.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will bring down your premiums.

car insurance in Marine St Croix

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent's advice.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Why does it cost so much to insure a teen driver in Marine St Croix?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in Minnesota?
  • Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

The car insurance bait and switch

Consumers in Minnesota get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise that you'll save big after switching to their company.

How does each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Consumers who don't measure up to these standards must pay higher prices and ends up with the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that much. That is how companies can advertise the way they do.

This illustrates why you should get as many comparisons as possible. It's just too difficult to predict which company will provide you with the cheapest rates.

Much more information about car insurance in Minnesota can be found on the Minnesota Department of Commerce website found here. Visitors are able to discover disciplinary actions, file complaints about a company, and read enforcement actions against agents and companies.

Minnesota car insurance

In the end, you save

Discount car insurance can be bought both online and also from your neighborhood Marine St Croix agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We just covered some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even find the most savings is with a small mutual company.

When shopping online for car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.