Comparing the Cheapest Ramsey Auto Insurance

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other Minnesota consumers. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it can be hard to sift through the bull and find the best price available.

Tips to Get Lower Ramsey Rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Shown below are some of the items used by your company to calculate prices.

You might want pay the small claims yourself - Companies in Minnesota generally give cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for major claims that would cause financial hardship.
Save money with special equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Liability insurance protects assets - Your policy's liability coverage will protect you when a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Do you need the policy add-ons? - There are quite a few extra bells and whistles that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so eliminate the coverages to reduce your premium.
High credit ratings translate to low rates - Having a bad credit score is a large factor in your rate calculation. People with good credit tend to be more responsible than those with lower credit ratings. So if your credit history is low, you could save money insuring your by improving your credit score.
More than one policy can earn a discount - Some insurance companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, you may still want to comparison shop to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
High crash test scores lower rates - Safer cars get lower rates. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Fast and Easy Ramsey Auto Insurance Quotes

Reducing your insurance rates is surprisingly easy. You just have to take the time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The fastest way to find low rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quote forms for each company. Taking the time to complete one form gets you price quotes from many national carriers.
A more difficult way to get quotes online requires a trip to the website of each company to complete a price quote. For example, let's say you want rates from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Ramsey, click here.

However you get your quotes, double check that you are using exactly the same quote information with each company. If you compare mixed coverages it will be next to impossible to make an equal comparison in Ramsey.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount. If you aren't receiving every discount available, you are paying more than you should be.

Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save up to 5%.
Organization Discounts - Participating in a civic or occupational organization may earn a discount when shopping for auto insurance.
Safety Course Discount - Taking a course in driver safety could save 5% or more if your company offers it.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

It's important to note that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you're out of luck. But any discount will reduce your overall premium however.

To choose insurance companies with discount auto insurance rates in Ramsey, click here.

Auto insurance ads bend the truth

Minnesota consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all have a common claim that you can save if you change your coverage to them.

How can each company make almost identical claims?

Different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer could possibly be between 25 and 40, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money and this can result in the driver buying from a lower-cost company. The ads say "people who switch" not "people who quote" save that much money. That's why insurance companies can advertise the savings.

This emphasizes why you need to compare as many rates as you can. It's impossible to know the company that will fit your personal profile best.

More information can be read on the website for the Minnesota Department of Commerce through this link. Minnesota consumers can download brochures, view a list of available companies, find out which companies have the most complaints, and discover disciplinary actions.

Best coverage at the best price

Lower-priced auto insurance can be sourced online as well as from independent agents in Ramsey, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and these small insurance companies work with independent agents.

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.