How to Find Low-Cost Preston Auto Insurance

If online auto insurance comparisons are new to you, it's easy to get overwhelmed by the vast number of auto insurance companies selling insurance in Preston.

More discounts equal less premium

Auto insurance companies don't always advertise all available discounts very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Homeowners Savings - Owning a home in Preston can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Good Student - Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • Accident Forgiveness - Some insurance companies will allow you to have one accident without raising rates so long as you haven't had any claims for a certain period of time.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn't work that way.

For a list of insurers with the best auto insurance discounts in Minnesota, click here to view.

Vehicle Insurance Comparison

Most major insurance companies allow you to get prices directly from their websites. This process is quite easy as you just enter your personal and coverage information into the quote form. Once entered, the system will obtain credit information and your driving record and generates pricing information based on many factors.

This simplifies rate comparisons, but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find a lower rate.

A more efficient way to compare rates uses one form to get prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you duplicate the insurance coverages as shown on your current policy. This helps ensure you will receive rate comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you might need an agent's assistance.

  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Do the work, save more money

Affordable auto insurance is possible both online and also from your neighborhood Preston agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

We covered some good ideas how you can get a better price on auto insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a lesser-known regional company.

People who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, unfair underwriting practices and an unsatisfactory settlement offer. It doesn't matter why you want to switch switching auto insurance companies is not as hard as you think.