5 Ways You Can Buy Car Insurance for Less in Tracy

If you've never shopped for car insurance online, it's easy to be confused by the large number of car insurance companies all offering big savings in Tracy.

It's important to price shop coverage periodically since rates are constantly changing. Just because you found the lowest rates a year ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to lower your annual insurance bill.

Policy discounts you shouldn't miss

Auto insurance companies don't list every available discount in an easy-to-find place, so we break down both the well known and also the lesser-known ways to save on car insurance.

  • Early Switch Discount - Some companies give discounts for buying a policy prior to your current policy expiring. It's a savings of about 10%.
  • Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • E-sign - Certain companies may give you up to $50 just for signing your application on their website.
  • Driver Safety - Completing a defensive driving course can save you 5% or more if you qualify.
  • Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, it just doesn't work that way.

Minnesota car insurance

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there is no "best" method to buy coverage. Every situation is different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Save $429 a year? Really?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make the same claim that you can save after switching your policy. How do they all claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a preferred risk might be a mature driver, a clean driving record, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be charged higher prices which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can make those claims. That is why you should quote coverage with many companies. It's just too difficult to predict which company will have the lowest rates.

Additional detailed information can be found at the Minnesota Department of Commerce website. Visitors are able to learn about specific coverages, file complaints about a company, and get help finding coverage.

Minnesota car insurance

Final considerations

We just covered some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with some of the smallest insurance companies.

Affordable car insurance can be sourced both online in addition to many Tracy insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.