Free Guide to Paying Less for Fridley Minnesota Car Insurance Online

Purchasing affordable Fridley car insurance online can be difficult for consumers new to online price comaprisons. With dozens of companies competing online, how can Fridley drivers effectively compare them all to find the best available rates?

It’s a good idea to check car insurance prices quite often since insurance rates change frequently. If you had the best price six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Fridley is quite easy. Essentially every driver who is required by state law to have car insurance most likely will be able to save money. But Minnesota consumers must understand how big insurance companies market insurance on the web and take advantage of how the system works.

How to Get Fridley Car Insurance Comparison Quotes

Shopping for lower car insurance rates is a ton of work if you aren’t aware of the easiest way. You can waste hours driving to agents in Fridley, or you can utilize online quotes to quickly compare rates.

Many insurance companies take part in a program where prospective buyers enter their coverage request one time, and every company returns a rated price. This saves time by eliminating quotation requests for each company you want a rate for.

To compare pricing click here (opens in new window).

The single downside to comparing rates this way is that consumers can’t choose which carriers you want to price. So if you want to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in Minnesota. Click here to view list.

However you get your quotes, make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If the quotes have higher or lower deductibles you can’t possibly determine the lowest rate in Fridley. Having just a slight variation in insurance coverages could mean much higher rates. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting better pricing.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known discounts you could be receiving.

• Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
• Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
• New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
• No Accidents – Drivers with accident-free driving histories can save substantially compared to bad drivers.
• Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

• How high should my medical payments coverage be?
• Are there companies who specialize in insuring high-risk drivers?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered when pulling a rental trailer?
• Are rental cars covered under my policy?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need motorclub coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Additional resources for Minnesota consumers

Additional detailed information can be read at the Minnesota Department of Commerce website. Consumers can learn about insurance regulations, download brochures, get help finding coverage, and file complaints about an insurance agent or broker.

Other informative sites include this page for car insurance in Minnesota and QuoteClickSave.com.