Tightwads Guide to Saving on Proctor Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you're not the only one. Having so many companies and agents to choose from, it can be impossible to choose the lowest price insurance company.

Comprehensive Proctor Auto Insurance Comparison

Most major insurance companies provide insurance quotes directly from their websites. Getting online rates doesn't take much effort as you just enter the coverages you want into the quote form. Behind the scenes, the company's rating system will obtain your credit score and driving record and gives you a price quote based on many factors. This makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your rates uses one simple form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier to do. After sending your information, it gets priced and you are able to buy any or none of the returned quotes.

If you find a better price you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To save time and 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 coverage information as close as possible to your current policy. This way, you will get a rate comparison based on similar coverages.

auto insurance in Proctor

Understand what determines the rate you pay

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Drive a safer car and pay less - Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Liability coverage is cheap - The liability section of your policy provides coverage if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Traffic violations increase rates - Whether or not you get tickets has a big impact on rates. Only having one ticket may increase your cost forty percent or more. Drivers with clean records get better rates than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • You might want pay the small claims yourself - Auto insurance companies in Minnesota give discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Car insurance is designed for the large, substantial claims.
  • Little extras can really add up - There are a lot of extra coverages that you can get tricked into buying on your auto insurance policy. Things like personal injury protection, accidental death and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Sex matters - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. Men and women cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.

More discounts equal less premium

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If you don't get every credit possible, you're just leaving money on the table.

  • Fewer Miles Equal More Savings - Keeping the miles down could qualify for better rates on cars that stay parked.
  • Club Memberships - Participating in a professional or civic organization could trigger savings when buying auto insurance.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Defensive Driving Course - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your premiums.

For a list of insurers with the best auto insurance discounts in Minnesota, click this link.

Additional information can be read on the website for the Minnesota Department of Commerce found here. Minnesota consumers can find disaster information, find out which companies have the most complaints, file complaints about a company, and download brochures.

Other useful links include this resource for Minnesota auto insurance prices and this page of Proctor insurance agents.

In the end, you save

Cheaper auto insurance is possible online in addition to many Proctor insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to lower your auto insurance rates. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .