Comparison Shop Wabasha Auto Insurance Prices With These Tricks

Shopping for the lowest cost Wabasha auto insurance over the internet can seem to be problematic for consumers new to comparison shopping online. With a ridiculous number of insurers available, how can you possibly compare the different rates to find the best available price?

If you have car insurance now, you will most likely be able to save some money using these methods. Buying the lowest cost auto insurance in Wabasha is simple if you know the tricks. Nevertheless, Minnesota drivers do need to know how the larger insurance companies sell online and take advantage of how the system works.

Free Quotes for Auto Insurance in Wabasha, Minnesota

There are several ways of comparing rate quotes from local Wabasha auto insurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quotation requests for every auto insurance company. One form gets you price quotes from auto insurance companies with the best prices. It's the fastest way to compare.
  • A less efficient way to get quotes online requires a trip to each individual company website and request a quote. For sake of this example, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in Wabasha, click here.
  • The least recommended way of getting rate comparisons is to spend your day driving to local Wabasha insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the professional guidance of a local Wabasha agent. However, consumers can get the lowest quotes online and still use a local agent.

It's up to you which method you use, but make darn sure you compare exactly the same quote information with every price quote. If each company quotes mixed coverages it's not possible to find the best deal in Wabasha. Quoting even small variations in coverage limits can result in a big premium difference. And when comparison shopping, comparing a large number of companies will increase your chances of finding a better price.

Save big with these discounts

Companies offering auto insurance do not list all available discounts in a way that's easy to find, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Save over 55 - Mature drivers may receive a small decrease in premiums.
  • Memberships - Participating in a civic or occupational organization is a good way to get lower rates when buying auto insurance.
  • Drivers Ed for Students - Have your child enroll in driver's education if offered at their school.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

To see a list of insurers with discount auto insurance rates in Wabasha, click here to view.

But I don't know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • What can I do if my company won't pay a claim?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

More tips and info about auto insurance is available at the Minnesota Department of Commerce website. Minnesota consumers can report car insurance fraud, read enforcement actions against agents and companies, and find out which companies have the most complaints.