7 Tips Guaranteed to Save Money on Car Insurance Costs in Tower, MN

Are you tired of paying out the nose each month for car insurance? You're in the same situation as many other Minnesota drivers.

With so many different company options, it can be impossible to pick the lowest cost company.

It's important to compare prices once or twice a year since rates are constantly changing. If you had the best rates a few years ago you can probably find a lower rate today. There is a lot of wrong information about car insurance online, so we're going to give you some great ways to find affordable car insurance.

Minnesota car insurance

Fast and Easy Tower Car Insurance Quotes

The are a couple different ways to get quotes and find the best price. The best method to compare insurance prices consists of shopping online. This can be done in several different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method eliminates the need for separate quotes for each company. Taking the time to complete one form gets you coverage quotes instantly.
  • A more time consuming way to shop for car insurance online consists of going to each company website and fill out their own quote form. For instance, let's assume you want rates from , and . You would have to go to every website to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Tower, click here.

Whichever way you use, double check that you are using apples-to-apples coverages for every quote you compare. If you are comparing different limits and deductibles on each one you can't possibly determine the best price in Tower. Just a small difference in coverages can result in a big premium difference. It's important to know that comparing a large number of companies gives you a better chance of getting lower pricing.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize every available discount very well, so the following is a list of both the well known and also the lesser-known car insurance savings.

  • Passive Restraints - Vehicles with factory air bags can receive discounts of 20% or more.
  • Driver's Ed - Have your child take driver's ed class in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Memberships - Being a member of a professional or civic organization could qualify you for a break on your policy.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous.

To see a list of providers with the best car insurance discounts in Minnesota, follow this link.

Even more information can be read at the Minnesota Department of Commerce website. Visitors are able to find out industry alerts, download brochures, file complaints about a company, and find out which companies have the most complaints.

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