6 Must-Know Tricks When Buying Richfield Minnesota Auto Insurance

Searching for affordable Richfield auto insurance on the web can seem to be impossible for consumers not familiar with shopping for insurance online. With a ridiculous number of insurers available, how can anyone effectively compare them all to find the best price?

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Shopping for cheaper coverage in Richfield is quite easy. Nevertheless, Minnesota drivers do need to learn how companies price online insurance because it can help you find the best coverage.

Quick Richfield Auto Insurance Quotes

There are several ways of comparing rate quotes from auto insurance companies in your area. The easiest way to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

The recommended way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for separate quote forms to each individual auto insurance company. One form submission compares rates from multiple low-cost companies. Just one form and you’re done.
A more difficult way to shop for auto insurance online is to manually visit each company’s website and request a quote. For instance, let’s assume you want rates from Allstate, Progressive and GEICO. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
For a list of links to companies insuring cars in Richfield, click here.
The least efficient way of comparing rate quotes is to drive around to different Richfield agent offices. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed Richfield agents. You can, however, get the lowest quotes online but buy from a local insurance agent. We’ll cover that shortly.

However you get your quotes, make darn sure you compare exactly the same coverages and limits for each comparison quote. If each company quotes mixed coverages it will be impossible to find the best deal in Richfield. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that quoting more will increase your chances of finding the best offered rates.

Your insurance agent down the street

Some people prefer to visit with an insurance agent and that is just fine! The biggest benefit of comparing rates online is you may find better rates but still work with a licensed agent.

After completing this simple form, your insurance coverage information is emailed to local insurance agents in Richfield who will give you bids for your coverage. You never need to leave your house since price quotes are sent immediately to your email address. How’s that for easy! Get lower rates and a licensed agent to work with.

Choosing an insurer shouldn’t rely on just the premium amount. These questions are important to ask:

Do they have any clout with companies to ensure a fair claim settlement?
Is vehicle mileage a factor when determining depreciation for repairs?
Does the company allow you to choose your own collision repair facility?
Do clients work directly with the agent or are most inquiries handled by a CSR?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
What are the financial ratings for the companies they represent?
If your car is totalled, how to they determine the replacement cost?

What type of Richfield insurance agent is right for you?

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different types of agents that you can select. Insurance agencies in Richfield are either independent (non-captive) or captive.

Captive Insurance Agents

These agents can only write with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so keep that in mind. Captives are well schooled in insurance sales which helps them compete with independent agents. Some people will only buy insurance from these agents mostly because of the brand legacy and strong financial ratings.

Listed below are captive agencies in Richfield who may provide you with price quote information.

Farmers Insurance Group – 1520 E 66th St # 4 – Richfield, MN 55423 – (612) 861-4151
Allstate Insurance – 6609 18th Ave S # 205 – Richfield, MN 55423 – (612) 861-4772
American Family Insurance – 6437 Lyndale Ave S # 107 – Richfield, MN 55423 – (612) 866-6990

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can be an advantage.

Listed below are Richfield independent agents that can give you rate quotes.

Richfield State Insurance – 6601 Lyndale Ave S # 310 – Richfield, MN 55423 – (612) 861-8300
MSI Insurance – 6519 Nicollet Ave – Richfield, MN 55423 – (651) 631-7239
Jay Petersen Agency – 6519 Nicollet Ave # 2a – Richfield, MN 55423 – (612) 869-2745

For a complete listing of Richfield insurance agents, visit this site.

After receiving satisfactory answers to all your questions and a good coverage price, you may have just found an auto insurance agent that is a good match to properly insure your vehicles.

Even more information can be found at the Minnesota Department of Commerce website. Visitors are able to find a variety of consumer forms, find out which companies have the most complaints, read enforcement actions against agents and companies, and read state legal mandates and laws.

Other informative sites include Wikipedia and this link where you can get more info about Richfield coverage.