How to Know You're Wasting Money for Auto Insurance in St Clair

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you're not alone.

Having so many companies and agents to choose from, it is hard for the average consumer to choose the most affordable provider.

Choosing the best insurance company for you in St Clair is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. But Minnesota vehicle owners do need to know the way companies price insurance differently because it can help you find the best coverage.

More discounts equal less premium

Companies do not advertise all available discounts very well, so we researched some of the best known and also the lesser-known auto insurance savings.

Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
Auto/Home Discount - When you have multiple policies with the same insurance company you may save at least 10% off all policies.
Federal Government Employee - Simply working for the federal government could cut as much as 10% off depending on your company.
Driver's Ed - Require your teen driver to enroll in driver's education if it's offered in school.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Payment Method - If you pay your bill all at once rather than paying monthly you can actually save on your bill.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.

For a list of insurers who offer auto insurance discounts in Minnesota, follow this link.

How to Compare Auto Insurance Quotes in St Clair, Minnesota

Most major insurance companies give prices for coverage on their websites. Getting online quotes is fairly straightforward as you just enter the coverages you want into the quote form. Once entered, their system will obtain information on your driving record and credit history and returns pricing information based on these and other factors. This makes comparing rates easy, but the time it takes to visit different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A more efficient way to lower your rates requires only one 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 quoting online much more efficient. Once the form is submitted, your coverage is rated and you can select any or none of the quotes that you receive. If you find a better price you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and may result in a nice savings.

To quickly find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you type in the limits and deductibles identical to your current policy. This helps ensure you will receive a price comparison based on identical coverages.

Affordable insurance is out there

Discount auto insurance can be purchased on the web and with local St Clair insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed collision coverage and learned later that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.