Finding Low-Cost Stewartville Auto Insurance

No one in their right mind enjoys paying for auto insurance, especially knowing they are paying too much.

Having so many insurance companies to choose from, it is hard for the average consumer to find the best car insurance company.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

Finding affordable coverage in Stewartville is easy if you know what you're doing. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. But Minnesota vehicle owners do need to know the way companies price online insurance because it can help you find the best coverage.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with better auto insurance rates.

Listed below are a partial list of the pieces that factor into rates.

Your location is important - Living in a small town can be a good thing when buying auto insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
Traffic citations inflate rates - Just one citation may increase your cost by twenty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
Clean credit earns discounts - Credit score is a important factor in determining your rates. If your credit is lower than you'd like, you could save money insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.
You might want pay the small claims yourself - Car insurance companies in Minnesota award discounts to people who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for larger claims.

Stewartville Auto Insurance Comparisons

There are several ways to shop for auto insurance, but one way is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance companies in Stewartville, or you could save time and use online quoting for quick rates.

Most of the larger companies participate in a marketplace that allows shoppers to submit their information once, and every company then returns a price quote based on the submitted data. This saves time by eliminating quotation requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The single downside to using this type of form is you can't choose which providers you want to price. So if you prefer to choose individual companies to compare prices, we have a page of auto insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

It's up to you which method you use, but be sure to compare apples-to-apples coverage limits and deductibles with each company. If each company quotes different liability limits it's impossible to make an equal comparison in Stewartville. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that having more price comparisons gives you a better chance of getting the best rates.

How much can you save with discounts?

Companies offering auto insurance do not advertise all their discounts very well, so we researched some of the best known as well as the least known savings tricks you should be using.

Bundle and Save - If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
Early Signing - Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of more than 20%.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course in school.
No Claims - Good drivers with no accidents pay much less as compared to accident-prone drivers.
Sign Online - Some insurance companies give back up to $50 for buying a policy and signing up online.
Organization Discounts - Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance.
Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don't profit that way.

To choose companies offering auto insurance discounts in Minnesota, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise that you'll save big if you switch your policy. But how can every company say the same thing?

Different companies have a certain "appetite" for the right customer that makes them money. For instance, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money and ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can make the claims of big savings. Because of the profiling, you need to get as many quotes as possible. It's not possible to predict which company will fit your personal profile best.

How much car insurance do I need?

When buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need an agent's assistance.

What are the best liability limits?
Does my car insurance cover rental cars?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

More detailed Minnesota auto insurance information is located at the Minnesota Department of Commerce website. Minnesota drivers can view agent and company licensing information, file complaints about a company, find out industry alerts, and download brochures.

Other informative sites include Wikipedia and this Stewartville agent directory.

Final considerations

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. In many instances, someone dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

In this article, we covered some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .