Top 9 Ways to Get Lower Rates on Car Insurance in Nicollet, MN

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many people just like you.

Consumers have many to pick from, and even though it's nice to have a selection, it can be more difficult to compare rates.

Finding affordable car insurance in Nicollet is not that difficult. In a nutshell, every driver who carries car insurance will most likely be able to reduce their rates. Although Minnesota consumers do need to know how insurance companies market insurance on the web and use this information to your advantage.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount.

Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
Memberships - Being a member of a qualifying organization may earn a discount when buying car insurance.
Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Pay Now and Pay Less - By paying your policy upfront instead of paying each month you may reduce your total bill.
Student in College - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Discount for Good Grades - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with discount car insurance rates in Minnesota, click here.

Compare Quotes for Nicollet Car Insurance

The are a couple different ways to get quotes from car insurance companies in your area. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company. Filling out one form will get you price quotes from car insurance companies with the best prices.
A more time consuming way to shop for car insurance online requires a visit to the website for every company you want to comare to complete a price quote. For examples sake, let's assume you want to compare rates from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Nicollet, click here.
The most time-consuming method of getting rate comparisons is to drive around to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. It is possible to obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

However you get your quotes, ensure you are comparing identical coverage limits with each company. If the quotes have differing limits it's not possible to make an equal comparison in Nicollet. Slightly different coverages may result in a large different in cost. Just remember that getting more free quotes helps you find better pricing.

Save $429 a year? Really?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies have a common claim about savings if you change to their company. How does each company claim to save you money?

Different companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be over the age of 50, has no driving citations, and drives newer vehicles. Any new insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money and this can result in the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings.

This illustrates why drivers must quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Do the work, save more money

The cheapest car insurance is attainable both online and also from your neighborhood Nicollet agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Additional information can be found on the website for the Minnesota Department of Commerce located here. Visitors are able to find disaster information, find out which companies have the most complaints, discover disciplinary actions, and view agent and company licensing information.

Additional helpful sites include this resource for Minnesota car insurance prices and this page of Nicollet insurance agents.