Buy Low-Cost Springfield Car Insurance

Scraping up a payment for overpriced car insurance can dwindle your personal savings and put the squeeze on your family's finances. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

With so many choices, it can be diffult for consumers to pick the most cost effective company.

It's important to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best rates a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. But Minnesota consumers do need to know the methods companies use to sell online.

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but some may not be applied and must be asked about in order for you to get them.

Auto/Life Discount - Select insurance companies reward you with a break if you buy life insurance from them.
Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up online.
Multiple Cars - Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
Senior Citizens - Mature drivers may receive a small decrease in premiums.
Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents pay less as compared to bad drivers.
Drive Less and Save - Low mileage vehicles could qualify for better rates on cars that stay parked.
Safety Course Discount - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way. But all discounts will help reduce your overall premium however.

To see a list of companies with discount car insurance rates in Minnesota, click this link.

Springfield Car Insurance Prices Online

There are several ways of comparing rates from local Springfield car insurance companies. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in several different ways.

The best way to find low rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating a different quote for each company. One form submission gets you price quotes .
A slightly less efficient method to get quotes online requires a trip to the website for each individual company to complete a price quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Springfield, click here.

It's up to you how you get prices quotes, just ensure you are comparing apples-to-apples quote information for every company. If you compare mixed coverages it will be next to impossible to decipher which rate is best in Springfield. Having just a slight variation in insurance coverages may result in large price differences. Just remember that comparing more company's prices provides better odds of finding a better price.

Tips to Get Lower Springfield Rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

Shown below are some of the items used by your company to calculate rates.

More miles equals more premium - The higher the mileage driven in a year's time the more you will pay for car insurance. Almost all companies charge to insure your cars based on how the vehicle is used. Autos that are left in the garage get more affordable rates than those used for commuting. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle.
Discounts for married couples - Getting married helps lower the price on your car insurance policy. It translates into being more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, collision with an animal, and windstorm damage. Physical damage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you have to pay, the bigger discount you will receive.
One company can mean more discounts - Some car insurance companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.
Males pay more for insurance - Statistics have proven women tend to be less risk to insure than men. Now that doesn't mean women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but the males tend to have more serious accidents. They also have more aggressive citations like DUI and reckless driving.
High crash test scores lower rates - Safer cars tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to make the same claim that you'll save big if you change your coverage to them. But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured might be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay more money which leads to the customer not buying. The ads say "people who switch" not "people who quote" save that much money. This is how companies can advertise the way they do.

Because of the profiling, drivers must get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

Shop smart and save

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many instances, drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Discount car insurance can be sourced both online as well as from independent agents in Springfield, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Much more information about car insurance in Minnesota can be read on the website for the Minnesota Department of Commerce through this link. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, report car insurance fraud, and read consumer alerts.

Additional helpful sites include Wikipedia and this page where you can research Springfield insurance agents.