Overpriced auto insurance can overdraw your checking account and put the squeeze on your family’s finances. Doing a price comparison is a great way to make sure you’re not throwing money away.
Many insurance companies compete for your insurance dollar, so it’s not easy to compare every company and get the definite best rate
If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Finding affordable coverage in Fridley is not rocket science. But Minnesota vehicle owners must learn the way insurance companies market on the web and use this information to your advantage.
Fridley Auto Insurance Comparisons
All the larger auto insurance companies provide insurance quotes on their websites. Getting online quotes is fairly simple as you simply type in your coverage preferences as detailed in the form. After you complete the form, their system will order information on your driving record and credit history and returns a price quote based on these factors. This helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.
Rate comparisons made easy
The quickest way to locate the lowest prices requires only one form to return rates from multiple companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. After your information is entered, it gets priced and you are able to buy any one of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and could lower your rates considerably.
To get comparison pricing now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you copy exactly as shown on your declarations page. This ensures you will be getting a price comparison for similar insurance coverage.
Discounts are available to cut your rates
Companies offering auto insurance don’t always list every discount very clearly, so we researched both well-publicized as well as the least known savings tricks you should be using.
- Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
- Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
- No Accidents – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
- Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
- Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
- College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
- Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
It’s important to note that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.
To see a list of insurers with the best auto insurance discounts in Minnesota, click this link.
Do I just need basic coverages?
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your situation would benefit from an agent’s advice.
- Am I covered when driving on a suspended license?
- Is a new car covered when I drive it off the dealer lot?
- Are rental cars covered under my policy?
- At what point should I drop full coverage?
- Can I rate high risk drivers on liability-only vehicles?
- What can I do if my company denied a claim?
- Can I drive in Mexico and have coverage?
- Am I covered if I crash into my own garage door?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Additional auto insurance links
More tips and info about auto insurance is located at the Minnesota Department of Commerce website. Visitors are able to view a list of available companies, discover disciplinary actions, read enforcement actions against agents and companies, and find out which companies have the most complaints.