8 Ways You Can Buy Car Insurance for Less in Pipestone Minnesota

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than most other car owners in Minnesota.

Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked for before you will receive the discount.

  • Clubs and Organizations - Being a member of a qualifying organization could trigger savings when buying car insurance.
  • No Accidents - Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn better rates on cars that stay parked.
  • Service Members Pay Less - Having a family member in the military may qualify for rate reductions.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim about savings after switching to their company. How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, is a homeowner, and has great credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay higher premiums which leads to the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the savings.

This illustrates why drivers should compare many company's rates. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Additional information can be found on the website for the Minnesota Department of Commerce. Click here for link. Visitors are able to find out which companies have the most complaints, read industry bulletins, get help finding coverage, and view agent and company licensing information.

Do the work, save more money

Cheaper car insurance can be sourced both online and also from your neighborhood Pipestone agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, never skimp on coverage in order to save money. In too many instances, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.