Are you irritated from wondering where the money will come from to pay high car insurance rates every month? You are no different than millions of other drivers. You have multiple auto insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest rates.
The majority of larger companies allow consumers to get insurance quotes online. Doing online quotes doesn’t take a lot of time as you simply enter your coverage information on the page. After you complete the form, the system sends out for information on your driving record and credit history and returns pricing information based on the information you submitted. Online quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s necessary to do this if you are searching for a lower rate.
Rate comparisons made easy
A less time-consuming method to lower your rates requires only one form that analyzes rates from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, your coverage is rated and you are able to buy any or none of the price quotes you receive. If you find a better price you can click and sign and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.
In order to use this form to compare rates, click here and enter your information. To compare your current rates, we recommend you enter deductibles and limits identical to your current policy. This makes sure you will have rate quotes using the exact same coverages.
Discounts for lower Minnesota car insurance rates
Some providers don’t list all possible discounts in a way that’s easy to find, so the next list breaks down a few of the more common as well as the least known discounts that you may qualify for.
- Life Insurance – Larger insurance carriers have a discount if you purchase a life insurance policy as well.
- Accident Free – Claim-free drivers have much lower rates in comparison to drivers with a long claim history.
- Safety Course Discount – Taking part in a class that teaches driver safety techniques may get you a small discount depending on where you live.
- One Accident Forgiven – Not a discount per se, but a handful of insurance companies will let one accident slide before your rates go up as long as you don’t have any claims for a certain period of time.
- Discount for Swiching Early – Some insurance companies provide a discount for buying a new policy before your current coverage expires. You may see this discount when you get .
- Low Mileage – Fewer annual miles can earn cheaper car insurancerates.
- Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
- Driver Education Discount – Teen drivers should successfully complete driver’s ed class in school or through a local driver safety program.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.
A list of companies and a summarized list of policyholder discounts include:
- State Farm has savings for Drive Safe & Save, student away at school, accident-free, passive restraint, good driver, and Steer Clear safe driver discount.
- Farmers Insurance policyholders can earn discounts including business and professional, mature driver, distant student, bundle discounts, and good student.
- Progressive offers premium reductions for continuous coverage, online quote discount, homeowner, multi-policy, good student, online signing, and multi-vehicle.
- Geico offers discounts including defensive driver, anti-lock brakes, daytime running lights, multi-vehicle, and five-year accident-free.
- Auto-Owners Insurance may include discounts for anti-lock brakes, paid in full, student away at school, group or association, and mature driver.
- The Hartford may offer discounts for air bag, vehicle fuel type, bundle, good student, and defensive driver.
- Farm Bureau has discounts for multi-vehicle, safe driver, good student, youthful driver, renewal discount, and 55 and retired.
- USAA includes discounts for defensive driver, new vehicle, loyalty savings, good student, and safe driver.
Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of insurers that provide some of the discounts listed above in Minnesota, click here to view.
Car insurance quotes from local Marshall insurance agencies
A lot of people still like to sit down and talk to an agent and that is just fine! An additional benefit of comparing rate quotes online is that drivers can save money and get cheaper premium rates and still have an agent to talk to.
Once you complete this short form, the quote information is sent to local insurance agents that can give you for your insurance coverage. You won’t even need to find an agent on your own because quoted prices will be sent immediately to your email address. You can find the lowest rates and an insurance agent to talk to. If you want to get a comparison quote from a particular provider, just navigate to their website to submit a rate quote request.
Finding the right company shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- How many years of experience in personal auto insurance do they have?
- Are claims handled at the agent’s location?
- Will one accident increase rates?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can they help ensure a fair claim settlement?
- Is auto insurance their primary focus?
- Is working in the agency their full-time job?
The following are Marshall car insurance companies that are able to give rate quotes.
Farm Bureau Insurance – 1104 E College Dr, Marshall, MN 56258 – (507) 532-3251
Fenske Insurance – 1105 E College Dr, Marshall, MN 56258 – (507) 532-6182
State Farm Insurance – 521 W Main St, Marshall, MN 56258 – (507) 532-1500
Chuck Fennell Agency – 206 W College Dr, Marshall, MN 56258 – (507) 532-3107
Southwest Insurance Svc Inc – 200 Oconnell St, Marshall, MN 56258 – (507) 532-5743
If you receive answers to your satisfaction to all your questions and an affordable coverage quote, most likely you have located an provider that meets the requirements to service your policy.
Don’t assume everyone needs the same car insurance coverage
When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need professional guidance.
- When should I not file a claim?
- Does my medical payments coverage pay my health insurance deductible?
- When would I need additional glass coverage?
- Is my vehicle covered for smoke damage?
- Do I need PIP (personal injury protection) coverage in Minnesota?
- Can my teen driver be rated on a liability-only vehicle?
- Does coverage extend to a rental car in a foreign country?
- Does my insurance cover a custom paint job?
- What vehicles should carry emergency assistance coverage?
- Is my babysitter covered when using my vehicle?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Additional detailed information can be read at the Minnesota Department of Commerce website. Visitors are able to get help finding coverage, read industry bulletins, and find disaster information.
The following articles may also be useful.
- Learn How to Cut Costs on Marshalltown Auto Insurance
- Pay Less for Marshalltown Iowa Car Insurance Rates in Five Minutes
Affordable car insurance is out there
Budget-friendly car insurance is attainable on the web and from local agencies, so you need to with both in order to have the best chance of saving money. A few companies may not provide price quotes online and many times these small insurance companies only sell coverage through local independent agencies.
When buying insurance coverage, never reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.