Top Ways to Save on Zumbrota Car Insurance

Paying for high-priced car insurance can drain your personal savings, especially in this economy. Comparison shopping is a smart way to tighten up your finances. Insurance companies such as GEICO and Progressive constantly bombard you with ads and consumers find it hard to sift through the bull and find the best price available.

It's important to check car insurance prices yearly because rates are constantly changing. Just because you had the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out the proper way to reduce your cost while improving coverage.

Don't pay full price with these discounts

Companies don't always publicize all their discounts in a way that's easy to find, so we took the time to find some of the more common as well as the least known car insurance savings. If you aren't receiving every discount you deserve, you are throwing money away.

Accident Waiver - A handful of insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a certain period of time.
Bundle and Save - If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply until age 25.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, you won't be that lucky.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

I have good health insurance, so how much medical payments coverage do I need?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Minnesota?
Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

The car insurance bait and switch

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch to them.

How can each company make the same claim?

Different companies have a preferred profile for the type of driver that earns them a profit. For example, a desirable insured could be a mature driver, has no prior claims, and drives newer vehicles. A customer who fits that profile receives the best rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save money. This is how companies can truthfully claim big savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings.

Even more information can be found at the Minnesota Department of Commerce website. Consumers can get help finding coverage, view agent and company licensing information, find out industry alerts, and download brochures.

In the end, you save

Cheaper car insurance is available from both online companies and with local Zumbrota insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

We just showed you many ways to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .