Easy Ways to Cut Costs on Westbrook Auto Insurance

If you've never shopped for auto insurance online, it's easy to get confused because of the huge number of auto insurance companies selling insurance in Westbrook.

Auto Insurance Comparison Rates in Westbrook, MN

The are a couple different ways of comparing rate quotes from different Westbrook insurance companies. The best method to find the cheapest insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The recommended way to find low rates is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions to each individual auto insurance company. Just one form gets you price quotes from multiple companies. It's definitely the quickest method.
  • A less efficient way to shop for auto insurance online requires a trip to the website of each company and complete a new quote form. For sake of this example, we'll pretend you want to compare , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Westbrook, click here.
  • The least efficient method of getting rate comparisons is to waste gas driving to local Westbrook insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed Westbrook agents. You can, however, get the lowest quotes online but buy from a local insurance agent.

It doesn't matter which method you choose, just be sure to compare identical quote information on every quote. If each company quotes mixed coverages then you won't be able to make a fair comparison in Westbrook. Just a small difference in coverages may result in large price differences. Keep in mind that comparing more company's prices helps you find a better price.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount very clearly, so we break down both well-publicized and also the lesser-known auto insurance savings.

  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Multiple Cars - Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Low Mileage Discounts - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of insurance companies with discount auto insurance rates in Minnesota, follow this link.

Insurance agents can help

When choosing adequate coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Additional Minnesota consumer information

Even more information can be found at the Minnesota Department of Commerce website. Minnesota consumers can download brochures, file complaints about a company, and report car insurance fraud.

Additional helpful sites include this site for auto insurance rates in Minnesota and this list of insurance agents in Westbrook.