Finding Cheaper Perham Car Insurance

No one likes paying for car insurance, especially when their premiums are through the roof. Lots of contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

It's important to get comparison quotes periodically because rates are constantly changing. Just because you found the lowest rates a few years ago you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to save on car insurance.

If you have a current car insurance policy or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Finding affordable coverage in Perham is not that difficult. Minnesota consumers only need to know how to compare company rates over the internet.

Be sure to get all your discounts

Companies don't always advertise every available discount in an easy-to-find place, so we break down some of the more common as well as the least known car insurance savings. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • E-sign - A handful of insurance companies will give a small break for buying your policy on their website.
  • Driver Safety - Taking part in a driver safety course can save you 5% or more if you qualify.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Federal Employees - Active or retired federal employment may qualify you for a discount with certain companies.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

Perham car insurance quote

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Everyone's needs are different so your insurance needs to address that. For example, these questions may help highlight whether or not you could use an agent's help.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads say the same thing about savings after switching your policy.

How do they all make the same claim?

All the different companies have a certain "appetite" for the right customer that earns them a profit. For example, a preferred risk could be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. That is why you should get a wide range of price quotes. Because you never know which company will provide you with the cheapest rates.

Additional Minnesota consumer information

Even more information can be found at the Minnesota Department of Commerce website. Consumers can find out industry alerts, file complaints about a company, get help finding coverage, and discover disciplinary actions.

Minnesota car insurance

Best coverage at the best price

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just showed you many ways to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like .

The cheapest car insurance can be sourced from both online companies in addition to many Perham insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.