Easy Methods to Cut Costs on New Germany Auto Insurance

If you've never shopped for auto insurance online, you may be overwhelmed by the large number of auto insurance companies offering insurance in New Germany.

Auto Insurance Comparison Rates in New Germany, MN

Comparing auto insurance rates can take time and effort if you don't know the fastest way to get free quotes. You could spend your day talking to insurance agencies in New Germany, or you could save time and use the web to achieve your goal.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company provides a quote based on that data. This system prevents you from having to do form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is buyers cannot specifically choose which companies to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

It's up to you how you get prices quotes, just be sure to compare identical coverages and limits on every quote. If you have different deductibles it will be impossible to make a fair comparison in New Germany.

compare New Germany auto insurance rates

New Germany Rates are Influenced by These Factors

It's important that you understand the rating factors that go into determining the price you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to big savings.

  • Safer cars are cheaper to insure - Vehicles with good safety scores tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and thus lower rates.
  • More performance means more cost - The type of car you are buying insurance for makes a substantial difference in determining your rates. The lowest rates are usually for economy passenger models, but the cost you end up paying is determined by many additional factors.
  • Careful drivers pay lower rates - Even one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Discounts for married couples - Having a spouse can actually save you money on your auto insurance policy. Having a significant other means you're more mature and it's proven that married couples file fewer claims.

How much can you save with discounts?

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Service Members Pay Less - Having a family member in the military could mean lower rates.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Minnesota, click this link.

How much car insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form. It's fast, free and can help protect your family.

More information can be found on the Minnesota Department of Commerce website located here. Minnesota consumers can find disaster information, learn about specific coverages, and file complaints about a company.

Minnesota auto insurance

And the best car insurance company is...

Insureds switch companies for a number of reasons such as unfair underwriting practices, high prices, poor customer service and an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

You just read some good ideas how to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better chance you'll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a small local company.

Affordable auto insurance is available online and also from your neighborhood New Germany agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online quoting and these regional insurance providers work with independent agents.