Consumer Tested Strategies for Finding Cheaper Woodbury Minnesota Auto Insurance

No one in their right mind looks forward to paying for auto insurance, especially knowing their premiums are through the roof. Lots of insurers contend for your business, so it can be very hard to choose a insurer to find the lowest cost out there.

How to Compare Woodbury Auto Insurance Rates

All major auto insurance companies such as Allstate, GEICO and Progressive give prices for coverage on the web. Getting quotes is fairly simple as you simply enter the coverage amounts you desire into a form. Once you submit the form, the company’s rating system requests your credit score and driving record and generates a price based on these factors. Online quotes makes it a lot easier to compare rates but the work required to visit many different websites and fill out multiple forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for the best price on auto insurance.

A more efficient way to find lower prices uses one simple form to get prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much simpler. After your information is entered, it is rated and you can select any of the price quotes you receive. If you find a better price you can simply submit the application and buy the new coverage. It takes less than 15 minutes and may save quite a bit of money.

To save time and find out if lower rates are available, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you type in the coverages identical to your current policy. This way, you will get a fair comparison using the exact same coverages.

How much can you save with discounts?

Auto insurance companies don’t always publicize every available discount very clearly, so we break down some of the best known as well as the least known ways to save on auto insurance. If you’re not getting every credit available, you’re paying more than you need to.

  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Low Mileage – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
  • Distant Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Own a Home – Owning a house in Woodbury may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of up to 25% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
  • No Accidents – Claim-free drivers can earn big discounts when compared to drivers who are more careless.

Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way.

To choose insurers with discount auto insurance rates in Minnesota, click this link.

When might I need help?

When choosing adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

save money concept

  • Should I buy more coverage than the required Minnesota minimum liability coverage?
  • Does my insurance cover a custom paint job?
  • Is business equipment covered while in my vehicle?
  • Do I need motorclub coverage?
  • Am I covered if I wreck a rental car?
  • Do no-fault laws apply in Minnesota?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What is the minimum liability in Minnesota?
  • What are the financial responsibility laws in Minnesota?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

More resources for learning

Even more information can be read at the Minnesota Department of Commerce website. Visitors are able to read consumer alerts, learn about insurance regulations, view agent and company licensing information, and discover disciplinary actions.