Free Guide to Paying Less for Rosemount Auto Insurance Online

Expensive auto insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet.

Numerous battle to insure your vehicles, and because of this it can be hard to compare to get the lowest rate

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Paperless Signup - Certain companies give back up to $50 for buying your policy on their website.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions can help discover whether your personal situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Minnesota?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies say the same thing about savings after switching your policy. How do they all say the same thing?

All companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile must pay higher premiums which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully make the claims of big savings.

This illustrates why you should get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

Additional information is available on the website for the Minnesota Department of Commerce located here. Minnesota drivers can report car insurance fraud, file complaints about an insurance agent or broker, get help finding coverage, and find disaster information.

Minnesota auto insurance quotes

Shop smart and save

Cheap auto insurance can be sourced on the web in addition to many Rosemount insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.