Lower Online Motley Auto Insurance Prices With These Tips

If you are a novice to online auto insurance shopping, you may be overwhelmed because of the huge number of auto insurance companies all offering big savings in Motley.

It's important to price shop coverage periodically because insurance rates are constantly changing. Just because you had the lowest price on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the proper way to eliminate unnecessary coverages and save money.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. This information will familiarize you with the best way to quote coverages and some money-saving tips. Minnesota vehicle owners just need to know how to get comparison rates online.

Save big with these discounts

Companies don't always list all their discounts in a way that's easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness - A handful of insurance companies allow you one accident before your rates go up as long as you don't have any claims for a set time period.
  • Early Signing - Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • No Claims - Good drivers with no accidents pay much less as compared to drivers who are more careless.
  • Drive Less and Save - Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out life insurance.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Clubs and Organizations - Participating in a civic or occupational organization could trigger savings on auto insurance.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

But I don't know anything about car insurance

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions may help highlight if your situation could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions, then you may want to think about talking to a licensed 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.

Auto insurance ads bend the truth

Minnesota consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all seem to make the same claim that you'll save big if you switch your policy.

How can each company make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 40, a clean driving record, and has great credit. A driver who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Additional Minnesota consumer information

More detailed Minnesota auto insurance information is located at the Minnesota Department of Commerce website. Minnesota consumers can learn about insurance regulations, learn about specific coverages, and find out industry alerts.

Minnesota auto insurance

And the best car insurance company is...

Budget-conscious auto insurance is available online in addition to many Motley insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ideas to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premiums are with some of the smallest insurance companies.

Insureds switch companies for a variety of reasons including denial of a claim, high prices, poor customer service and even high rates after DUI convictions. Whatever your reason, finding a new auto insurance company is less work than it seems.