Discover the Secrets to Cheaper Cottage Grove Minnesota Auto Insurance
Nobody I know cherishes buying auto insurance, in particular when their premiums are too high.
Insurance companies such as Allstate, Progressive and GEICO continually bombard you with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.
Cottage Grove Auto Insurance Comparisons
The are a couple different ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.
- The fastest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do boring form submissions to each individual auto insurance company. Just one form gets you coverage quotes .
- Another way to find lower rates is spending the time to visit the website for each individual company to request a price quote. For examples sake, let’s say you want comparison quotes from Liberty Mutual, Safeco and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in Cottage Grove, click here.
- The least efficient method of comparing rate quotes is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional advice of a local agent. Drivers can price shop online but buy from a local insurance agent.
It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage information with each company. If you are comparing unequal deductibles or liability limits you can’t possibly find the best deal in Cottage Grove. Just a small difference in insurance coverages could mean much higher rates. And when comparing auto insurance rates, know that getting more free quotes gives you a better chance of getting better pricing.
Pay less by taking advantage of discounts
Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
- New Car Discount – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
- Organization Discounts – Affiliation with a qualifying organization may earn a discount on auto insurance.
- Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
Keep in mind that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
For a list of companies offering auto insurance discounts in Minnesota, click here.
Insurance agents can help
When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.
- Who is covered by my policy?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my car insurance cover rental cars?
- How high should my uninsured/underinsured coverage be in Minnesota?
- Are all vehicle passengers covered by medical payments coverage?
- Is business equipment covered while in my vehicle?
- Is my babysitter covered when using my vehicle?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
For more information
Additional detailed information is available at the Minnesota Department of Commerce website. Consumers can find disaster information, view a list of available companies, and file complaints about an insurance agent or broker.