Free Guide to Paying Less for Roseville Auto Insurance Online

Tired of being strong-armed each month for car insurance? Your situation is no different than many other Minnesota drivers.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Even if you got the lowest price last year you can probably find a better price now. Ignore everything you know about auto insurance because we're going to demonstrate the only way to properly buy coverages while reducing your premium.

Shopping for affordable coverage in Roseville is easy if you know what you're doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to reduce their rates. But Minnesota drivers do need to know the way insurance companies price online insurance because it can help you find the best coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with big savings.

Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both have accidents in similar numbers, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.
Equipment add-ons that lower auto insurance rates - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Multiple policies with one company can save - Most auto insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
Discounts for married couples - Having a wife or husband can actually save you money on your auto insurance policy. It means you're more mature than a single person and statistics show drivers who are married are more cautious.
Add-on coverages can add up - There are many extra bells and whistles that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance may be wasting your money. They may seem like a good idea initially, but if they're wasting money eliminate them to save money.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, vandalism, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
Never allow your policy to lapse - Letting your insurance expire is a guaranteed way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with the Minnesota motor vehicle department.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you can get discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Service Members Pay Less - Having a family member in the military could mean lower rates.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Drive Less and Save - Driving fewer miles could be rewarded with better rates on cars that stay parked.
Homeowners Pay Less - Owning a house in Roseville may earn you a small savings because owning a home shows financial diligence.
Seat Belts Save more than Lives - Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
No Accidents - Claim-free drivers pay much less as compared to accident-prone drivers.
Defensive Driver - Taking part in a course in driver safety could save 5% or more if your company offers it.
Bundle and Save - If you insure your home and vehicles with one company you will save approximately 10% to 15%.

Drivers should understand that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose companies offering auto insurance discounts in Minnesota, click this link.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make the same claim that you'll save big if you switch to their company. How does each company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be a mature driver, has no tickets, and drives newer vehicles. A driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why companies can claim big savings.

Because of the profiling, you should get quotes from several different companies. It is impossible to predict the company that will give you the biggest savings.

More Minnesota auto insurance information

Much more information about auto insurance in Minnesota is located on the website for the Minnesota Department of Commerce found here. Minnesota consumers can learn about insurance regulations, view a list of available companies, read consumer alerts, and get help finding coverage.

Shop smart and save

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage at the best price.

Budget-conscious auto insurance can be found online and also from your neighborhood Roseville agents, and you need to price shop both to have the best rate selection. A few companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.