6 Top Ways to Reduce Car Insurance Costs in St Paul Park

Shopping for cheap St Paul Park car insurance online is challenging for consumers new to buying insurance on the web. With dozens of online companies available, how can you possibly compare the different rates to find the best available price?

Which Car Insurance is Cheapest in St Paul Park, Minnesota?

There are several ways to compare rate quotes from local St Paul Park car insurance companies. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for a different quote for every car insurance company. One form submission gets you price quotes . Recommended for those who want to invest the least amount of time.

A different way to compare rate quotes requires a trip to each individual company website and fill out their own quote form. For sake of this example, let's say you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, and that's why the first method is more popular. To view a list of companies in St Paul Park, click here.

The most time-consuming way of getting rate comparisons is driving to different St Paul Park agent offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local St Paul Park agent. It is possible to compare the best prices online and still use a local agent and we'll cover that in a bit.

Whichever method you choose, ensure you are comparing identical quote information for every quote you compare. If you enter mixed coverages you will not be able to determine the best price in St Paul Park. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate a better price.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Paperless Signup - Certain companies will give a small break for buying your policy over the internet.
  • Accident Waiver - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Own a Home - Owning a home in St Paul Park can save you money because maintaining a house requires personal responsibility.
  • Government Employees - Simply working for the federal government can save as much as 8% depending on your company.
  • Auto/Home Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. 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 overall premium however.

For a list of insurers with discount car insurance rates in Minnesota, click here.

Additional information is available on the Minnesota Department of Commerce website. Click here for link. Consumers can find out which companies have the most complaints, get help finding coverage, and learn about insurance regulations.

Shop smart and save

Cheaper car insurance can be sourced from both online companies and also from your neighborhood St Paul Park agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim and high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is not as hard as you think.