Wish you could get a refund on overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat. There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.
Finding affordable coverage in Hutchinson is not that difficult. Essentially every driver who buys auto insurance should be able to find better rates. But Minnesota vehicle owners should learn the methods companies use to price insurance differently and use this information to your advantage.
Double check you’re getting with these discounts
Some companies do not advertise all their discounts in a way that’s easy to find, so the list below contains both well-publicized and the harder-to-find discounts you could be receiving when you . If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
- Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts when compared to bad drivers.
- Seat Belts Save – Requiring all passengers to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Auto/Life Discount – Some insurance carriers give a discounted auto insurance rate on car insurance if you buy life insurance from them.
- Passenger Safety Discount – Options like air bags can get savings of 20% or more.
As a sidenote, some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that you can get free auto insurance, it’s just not the way it works.
Insurance companies that may have many of the previously listed discounts include:
If you need lower rates, check with each company to give you their best rates. Savings might not be offered on policies in your state. To see a list of companies with discount auto insurance rates in Hutchinson, follow this link.
Local Hutchinson insurance agencies and auto insurance
Certain consumers prefer to go talk to an agent and that is a personal choice. One of the benefits of comparing rates online is you can get the lowest rates and still have an agent to talk to.
To find an agent, once you fill out this short form, your coverage information is transmitted to agents in your area who will give you quotes for your coverage. You won’t even need to search for an agent since rate quotes are delivered immediately to your email address. You can find the lowest rates without the usual hassles of price shopping. If you wish to compare rates for a specific company, feel free to go to their quote page to submit a rate quote request.
Choosing an company should depend on more than just a cheap price quote. These are valid questions to ask:
- Do they get extra compensation for selling add-on coverages?
- Did they already check your driving record and credit reports?
- Does the company allow you to choose your own collision repair facility?
- How does the company pay claims for a total loss?
- Will one accident increase rates?
- Are they giving you every discount you deserve?
If you are wanting to find a local insurance agency, it’s important to understand the types of insurance agents and how they can write your policy. Insurance agencies in Hutchinson can be categorized as either independent (non-captive) or captive.
Captive Auto Insurance Agents
Agents of this type generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Captives are usually well trained on their products and sales techniques and that can be a competitive advantage.
The following is a list of captive insurance agents in Hutchinson willing to provide price quote information.
State Farm Insurance – 227 Main St S – Hutchinson, MN 55350 – (320) 587-3909
Independent Agencies or Brokers
Agents that choose to be independent are appointed with more than one company and that is an advantage because they can write policies amongst many companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier which requires no work on your part.
If you need lower rates, it’s a good idea to get several quotes from at least one independent agent to ensure the widest selection of prices.
Listed below are Hutchinson independent agencies willing to provide comparison quotes.
Hutchinson Agency Inc – 1656 S Grade Rd SW – Hutchinson, MN 55350 – (320) 587-4939
Cynthia Herr Insurance Inc – 11511 Sunset Cir – Hutchinson, MN 55350 – (320) 234-7953
Holtz Insurance – 1250 Rolling Oaks Ln NW – Hutchinson, MN 55350 – (320) 587-4038
Roger Mies Agency – 95 Hassan St SE – Hutchinson, MN 55350 – (320) 587-4989
To view additional auto insurance agents in Hutchinson, click for a complete selection of Hutchinson Minnesota auto insurance providers.
Upon getting good feedback to your questions as well as quotes, most likely you have located an insurance agent that meets the criteria to properly insure your vehicles.
More detailed Minnesota auto insurance information is available at the Minnesota Department of Commerce website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, file complaints about an insurance agent or broker, and get help finding coverage.
The following articles may also be useful.
- How to Find the Lowest Price on Hutchinson Auto Insurance
- Learn to Find the Cheapest Car Insurance Rates From Agencies in Hutchinson
Online plus local equals savings
Lower-priced auto insurance is attainable online in addition to many Hutchinson insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not offer online rate quotes and many times these smaller providers prefer to sell through independent insurance agents.
When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.