Plummer Car Insurance For Less Than You're Paying Now

Finding affordable Plummer car insurance is a challenge for consumers new to comparing rates online. Consumers have so many choices that it can easily become more work than you anticipated to compare prices in Plummer.

It's important to compare prices before your policy renews because rates are constantly changing. Even if you got the best deal two years ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because you're going to learn the only way to find lower rates on car insurance.

Are you getting all your discounts?

Auto insurance companies don't list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find savings tricks you should be using.

  • Homeowners Pay Less - Owning a house in Plummer can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Driver Safety - Taking a driver safety course could save 5% or more if you qualify.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Sign Online - Some insurance companies will give a small break for buying your policy on their website.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren't that generous.

How can State Farm, GEICO and Progressive save drivers who switch?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to make an identical promise about savings after switching to their company. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A customer who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a higher premium and ends up with business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings. Because of the profiling, you should quote coverage with many companies. Because you never know the company that will give you the biggest savings.

Even more information is available at the Minnesota Department of Commerce website. Consumers can report car insurance fraud, download brochures, and file complaints about an insurance agent or broker.

Do the work, save more money

Cheap car insurance can be purchased from both online companies and also from your neighborhood Plummer agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, delays in paying claims and even questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest price.