Best 6 Ways You Can Buy Car Insurance for Less in St Paul Minnesota

Are you overwhelmed by the wide range of car insurance options in St Paul? You have a lot of company. Drivers have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price.

It's important to get comparison quotes at least once a year since rates are constantly changing. Just because you found the best rates a few years ago 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 web, but we're going to give you some great ways to save money.

This information will tell you the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. But Minnesota consumers do need to know the way companies sell online.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings.

Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
Low Mileage - Fewer annual miles could qualify for discounted rates on garaged vehicles.
No Charge for an Accident - Some insurance companies allow you one accident before raising your premiums if you are claim-free for a set time period.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Save with a New Car - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
No Claims - Drivers with accident-free driving histories pay less compared to bad drivers.

Consumers should know that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of providers who offer car insurance discounts in Minnesota, click here to view.

Comprehensive St Paul Car Insurance Comparison Quotes

The are a couple different ways to get quotes from car insurance companies in your area. The best method to compare insurance prices is to use the internet to compare rates. This can be done in a couple of different ways.

The best way consumers can analyze rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for each company you want a rate for. Completing one form gets you price quotes direct from many companies. This is by far the quickest method.
A more time consuming way to shop for car insurance online requires visiting each company website and request a quote. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in St Paul, click here.

It's up to you which method you use, but compare apples-to-apples quote information with every price quote. If your comparisons have mixed coverages then you won't be able to find the best deal in St Paul. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons provides better odds of finding the best offered rates.

Save $429 a year? Really?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make an identical promise that you'll save big after switching your policy. But how can every company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can make the claims of big savings.

That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Do the work, save more money

We just covered some good ideas how you can compare car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Discount car insurance can be sourced both online in addition to many St Paul insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Find out more about car insurance

Much more information about car insurance in Minnesota can be read on the Minnesota Department of Commerce website found here. Visitors are able to file complaints about a company, discover disciplinary actions, and learn about insurance regulations.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of St Paul insurance agents.