Easy Tips to Pay Less on St Paul Car Insurance

Finding lower premiums on St Paul car insurance is a challenge for consumers new to buying insurance online. Drivers have so many companies to choose from that it can easily become more work than you anticipated to find the best price in St Paul.

Buying car insurance in St Paul is easy if you know what you're doing. If you have car insurance now, you should be able to lower your premiums substantially using these methods. But Nebraska car owners do need to know the way companies market insurance on the web and apply this information to your search.

Take advantage of discounts

Auto insurance companies don't always list all available discounts very well, so we took the time to find some of the more common and the more hidden ways to save on car insurance.

Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
Claim Free - Claim-free drivers can save substantially when compared with drivers who are more careless.
Safety Course Discount - Completing a driver safety course could save 5% or more if you qualify.
Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
One Accident Forgiven - Some insurance companies permit an accident before your rates go up so long as you haven't had any claims prior to the accident.
Air Bag Discount - Vehicles equipped with air bags can receive discounts of more than 20%.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Auto/Life Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies make the same claim that you'll save big if you change your coverage to them. But how can every company make the same claim?

All companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, is a homeowner, and has great credit. A customer who matches those parameters gets the lowest rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile must pay higher premiums which leads to business going elsewhere. The ads say "people who switch" not "people who quote" save that much money. That's why companies can advertise the savings. This illustrates why you should quote coverage with many companies. Because you never know the company that will give you the biggest savings.

More detailed Nebraska car insurance information can be found at the Nebraska Department of Insurance website. Consumers can find disaster information, read industry bulletins, and discover disciplinary actions.

Also read more on this page for car insurance prices in Nebraska and this page of St Paul insurance agents.

Final considerations

Budget-conscious car insurance is attainable from both online companies as well as from independent agents in St Paul, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds leave their current company for many reasons like delays in responding to claim requests, high rates after DUI convictions, questionable increases in premium and even high prices. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

We just showed you some good ideas how to reduce car insurance prices online. It's most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.