Proven Ways to Save on Scandia Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are many Scandia consumers feeling the pinch from expensive car insurance. There are many to buy insurance from, and even though it's nice to have a selection, it makes it harder to compare rates.

It's important to check car insurance prices at least once a year because rates are constantly changing. Despite the fact that you may have had the lowest rates last year you can probably find a lower rate today. So block out anything you think you know about car insurance because you're going to learn the tricks you need to know to save money, get proper coverage and the best rates.

How to Compare Scandia Car Insurance Costs

Most companies like Allstate and Progressive provide prices for coverage online. The process is fairly straightforward as you simply enter the coverage amounts you desire into the quote form. When the form is submitted, their rating system will obtain credit information and your driving record and provides a quote based on many factors. Quoting online makes comparing rates easy, but the work required to visit many different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to find better car insurance pricing utilizes a single form to return rates from a lot of companies. It's a real time-saver, eliminates form submissions, and makes quoting online much easier. After sending your information, it gets priced and you can select any one of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you replicate the limits and deductibles as close as possible to your current policy. This ensures you will receive rate quotes for similar insurance coverage.

More discounts equal less premium

Car insurance is not cheap, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked for before you get the savings. If you're not getting every credit possible, you're paying more than you need to.

Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Driver Safety - Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
No Charge for an Accident - Certain companies permit an accident before raising your premiums if you are claim-free prior to the accident.
Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.

A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

To see a list of providers who offer car insurance discounts in Minnesota, follow this link.

Additional information can be found on the website for the Minnesota Department of Commerce through this link. Consumers can read consumer alerts, discover disciplinary actions, read enforcement actions against agents and companies, and learn about insurance regulations.