Easy Methods to Cut Costs on Robbinsdale Car Insurance

If online car insurance comparisons are new to you, you may be overwhelmed by the large number of car insurance companies offering coverage in Robbinsdale.

It's important to get comparison quotes occasionally due to the fact that insurance rates are constantly changing. If you had the best rates last year you can probably find a better price now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.

Where you live can impact rates - Living in less populated areas can be a good thing when talking about car insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents and a lower car theft rate.
Multiple policies with one company can save - The majority of car insurance companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible.
Equipment add-ons that lower car insurance rates - Owning a car with an alarm system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
Discounts for married couples - Getting married actually saves money on your car insurance policy. It usually means you are more responsible and it's proven that married couples file fewer claims.

More discounts equal less premium

Companies don't list all their discounts very clearly, so the following is a list of both the well known as well as the least known ways to save on car insurance. If you're not getting every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Federal Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies with the best car insurance discounts in Minnesota, click this link.

Switch companies and save? Really?

Consumers in Minnesota can't ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you move your policy.

How does each company claim to save you money?

All the different companies have a certain "appetite" for the right customer that makes them money. A good example of a desirable insured might be a mature driver, owns a home, and drives newer vehicles. Any driver who matches those parameters will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay a more expensive rate which leads to the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That is how companies can truthfully claim big savings. Because of the profiling, you should compare many company's rates. You cannot predict which company will give you the biggest savings.

It's not one size fits all

When buying coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you would benefit from professional advice.

What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Does medical payments coverage apply to all occupants?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

For more Minnesota car insurance information

Even more information can be read at the Minnesota Department of Commerce website. Visitors are able to view agent and company licensing information, read consumer alerts, and view a list of available companies.

Best coverage at the best price

When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, an insured cut full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, unfair underwriting practices, denial of a claim or even extreme rates for teen drivers. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.

We just presented some good ideas how to save on car insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with the least-expected company.