How to Know You're Throwing Money Away for Car Insurance in Sleepy Eye

Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in Minnesota.

You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

compare Sleepy Eye car insurance rates

More discounts equal less premium

Car insurance companies do not advertise every discount very clearly, so we researched some of the more common and also the lesser-known ways to save on car insurance.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class in school.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • One Accident Forgiven - Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Passive Restraints - Cars that have air bags may earn rate discounts of 20% or more.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save 5% or more.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of insurance companies offering car insurance discounts in Minnesota, click this link.

How to Compare Sleepy Eye Car Insurance Rates

Most major insurance companies like State Farm, Allstate and GEICO provide coverage price quotes online. The process doesn't take a lot of time as you simply type in into the quote form. Once entered, their rating system will obtain information on your driving record and credit history and returns a price quote. Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A more efficient way to lower your car insurance bill utilizes a single form that gets prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes price shopping online much more enjoyable. Once the form is submitted, it gets priced and you can choose any one of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you enter the limits and deductibles identical to your current policy. This helps ensure you will get a price comparison based on identical coverages.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage and learned later that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

We just showed you many ideas to get a better price on car insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a small mutual company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .