Cutting costs on Eagan car insurance can be nearly impossible for consumers new to comparison shopping online. You have so many companies to choose from that it can quickly become a real hassle to locate the lowest price in Eagan.
It’s important to shop coverage around every six months because insurance rates tend to go up over time. Even if you think you had the best price a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the easiest way to lower your rates without sacrificing coverage.
Save money by taking advantage of these discounts
Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Some trigger automatically when you get a quote, but a few need to be asked about prior to receiving the credit. If you don’t get every credit you deserve, you are paying more than you should be.
- Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
- Distant Student – Children who live away from home and don’t have a car may be able to be covered for less.
- Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
- Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
- Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
Consumers should know that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your overall premium however.
For a list of companies offering car insurance discounts in Eagan, click here to view.
Vehicle Insurance Comparison
Lowering your car insurance rates isn’t really that difficult. The only requirement is to invest a few minutes to compare rate quotes online from several insurance companies. This can be done in a couple of different ways.
- The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quote forms to each individual car insurance company. Filling out one form will return price quotes from several companies. This is by far the quickest method.
- A slightly less efficient method to compare prices requires a visit to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s say you want to compare Farmers, State Farm and GMAC. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in Eagan, click here.
- The least efficient method to compare rates is to spend your day driving to insurance agents’ offices. The internet makes this process obsolete unless you prefer the professional advice of a local Eagan agent. You can, however, find lower rates online but buy from a local insurance agent and we’ll talk about that later.
Whichever method you choose, ensure you’re using exactly the same deductibles and coverage limits with every price quote. If you enter different liability limits you can’t possibly determine which rate is truly the best in Eagan.
Learn How to Lower your Rates
It’s important that you understand the factors that go into determining car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.
- Younger drivers pay higher rates – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers tend to be less responsible in a vehicle therefore car insurance rates are much higher.
- Do you know you’re credit rating? – Credit score is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers with lower ratings. Therefore, if your credit score is low, you could be paying less to insure your by improving your credit score.
- Higher deductibles cost less – Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more expense you have to pay, the lower your rates will be.
- Never go without insurance – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a license revocation or jail time.
But I don’t know anything about car insurance
When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if you could use an agent’s help.
- Is there coverage for injuries to my pets?
- Do I need medical payments coverage since I have good health insurance?
- Who is covered by my policy?
- Do no-fault laws apply in Minnesota?
- What companies insure drivers after a DUI or DWI?
- Does my policy cover my teen driver if they drive my company car?
- Can I still get insurance after a DUI?
- Is rental equipment covered for theft or damage?
- Is Minnesota a no-fault state?
- Is my vehicle covered for smoke damage?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Buying car insurance from a local agent
A small number of people just want to visit with an insurance agent and that is just fine! Professional agents are trained to spot inefficiencies and give you peace of mind. The best thing about price shopping on the web is you can get the lowest rates and still choose a local agent. Buying from small agencies is important particularly in Eagan.
To help locate an agent, after submitting this short form, your coverage information is immediately sent to insurance agents in Eagan who will return price quotes to get your business. You don’t have to even leave your home as quotes are delivered directly to your email. How cool is that?!
The following are agents in Eagan that may be able to provide price quote information.
- Minnesota Farm Bureau – 3080 Eagandale Pl, Eagan, MN 55121 – (651) 905-2100
- Allstate Insurance – 4580 Scott Trl, Eagan, MN 55122 – (651) 452-9099
- Robin T Kleffman Insurance – 4174 Pilot Knob Rd, Eagan, MN 55122 – (651) 452-0060
- Dan Rossini Agency – 4151 Knob Dr # 204, Eagan, MN 55122 – (651) 454-8200
- Farmers Insurance Group – 2189 Cedar Ridge Cir, Eagan, MN 55122 – (651) 686-8005
- Srenaski & Assoc Insurance – 4651 Nicols Rd # 200, Eagan, MN 55122 – (651) 452-5351
- State Farm Insurance – 2127 Cliff Rd # C, Eagan, MN 55122 – (651) 454-2374
To view a full list of insurance agents in Eagan, simply jump to this page.
Selecting an insurance company needs to be determined by more than just a low price. Agents should be asked these questions:
- Are claims handled at the agent’s location?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How often do they review policy coverages?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agency support the community they serve?
- What insurance companies do they work with?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Upon receiving reasonable responses to all your questions and a good coverage price, you may have just found an insurer that is a good match to provide car insurance coverage.
What is YOUR best insurance company?
Throughout this article, we presented some good ideas how to shop for car insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a lesser-known regional company.
Cost effective car insurance can be purchased from both online companies in addition to many Eagan insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.
Consumers who switch companies do it for any number of reasons including unfair underwriting practices, policy cancellation, high rates after DUI convictions and an unsatisfactory settlement offer. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.
For more information
Additional car insurance information can be read on the Minnesota Department of Commerce website located here. Minnesota drivers can discover disciplinary actions, file complaints about an insurance agent or broker, and find a variety of consumer forms.