Perplexed by the crazy number of car insurance options in Chaska? You’re not the only one! People have so many options that it can quickly become a real hassle to find the perfect company for you.
Locating more affordable coverage in Chaska is simple if you know the tricks. If you have a policy now or need a new policy, you can use this information to find better prices and still get good coverage. Minnesota consumers just need to know the best way to buy car insurance online.
These discounts can lower your rates
Car insurance can cost a lot, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.
- Student in College – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
- Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount when buying car insurance.
- Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Auto/Home Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
Consumers should know that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will help reduce your premiums.
To choose companies with discount car insurance rates in Minnesota, click this link.
How to Lower Your Car Insurance Cost in Chaska, MN
Cutting your car insurance rates isn’t really that difficult. All you need to do is spend a little time to compare quotes online with multiple companies. This can be accomplished in several different ways.
- Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating boring form submissions for every car insurance company. A single form gets rate comparisons instantly. It’s the fastest way to compare.
- A more difficult way to compare prices is going to each company website to complete their respective quote request forms. For example, we’ll assume you want comparison quotes from State Farm, Safeco and Travelers. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Chaska, click here.
It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for every quote you compare. If the quotes have differing limits you will not be able to decipher which rate is best in Chaska.
Many Things Influence your Rates
Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to big savings.
- Battle of the sexes – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
- High deductibles save money – The deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more money you have to pay, the less your company will charge you for insurance.
- Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase when buying car insurance. Coverages like roadside assistance, better glass coverage and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
- Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations such as judges, architects and dentists tend to pay the highest average rates attributed to job stress and lots of time spent at work. Other occupations like actors, historians and homemakers have the lowest average rates.
- Being married can save on car insurance – Being married helps lower the price on your policy. Having a spouse translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
- Where you reside plays a part – Living in less populated areas has it’s advantages when buying car insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Lower population means reduced accidents.
- More than one policy can earn a discount – The majority of insurance companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money.
Different people need different coverages
When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.
For example, these questions might point out whether your personal situation could use an agent’s help.
- Is there coverage for injuries to my pets?
- Who is covered when they drive my vehicle?
- Do I pay less if my vehicle is kept in my garage?
- Should I have combined single limit or split liability limits?
- When should I drop full coverage on my vehicle?
- Am I covered when driving someone else’s vehicle?
- Who is covered by my policy?
- Does my insurance cover a custom paint job?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Compare but don’t skimp
Lower-priced car insurance is available online as well as from independent agents in Chaska, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate.
In this article, we covered some good ideas how to get a better price on car insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.
More information can be found on the Minnesota Department of Commerce website located here. Minnesota drivers can download brochures, report car insurance fraud, find disaster information, and view a list of available companies.