Spending Too Much for Auto Insurance in Roseville, MN? Here’s How to Save!
Shopping for the cheapest Roseville auto insurance on the internet can be intimidating for people who are new to comparing rates online. With such a large number of online companies available, how can anyone have a chance to compare every company to locate the best price?
It’s a good idea to shop coverage around every six months since rates change quite often. Just because you found the lowest rates six months ago you can probably find a lower rate today. Starting now, forget all the misinformation about auto insurance because I’m going to teach you the fastest way to reduce your cost while increasing coverage.
Finding affordable coverage in Roseville is not rocket science. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. But Minnesota car owners should learn how big insurance companies compete online and use this information to your advantage.
How to Get Roseville Auto Insurance Comparison Quotes
There are a lot of ways to compare auto insurance prices and some are easier and takes less work. You can spend your afternoon talking to insurance agencies in Roseville, or you could use the web to get rate comparisons in just a few minutes.
All the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company returns a rated price determined by their information. This saves time by eliminating form submissions for each company you want a rate for.
To find out how much you’re overpaying now click here to open in new window.
The one disadvantage to using this type of system is you cannot specify the insurers to get pricing from. So if you prefer to pick individual companies for rate comparison, we have a page of companies who write auto insurance in Minnesota. Click here for list of insurance companies in Minnesota.
Whichever way you use, make darn sure you compare the exact same coverages for every company. If you are comparing different liability limits then you won’t be able to find the best deal in Roseville. Slightly different coverages may result in a large different in cost. It’s important to know that comparing a large number of companies will improve the odds of getting the best offered rates.
Comparing rates from local agents
Some consumers just want to talk to a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent.
Upon completion of this quick form, your coverage information is emailed to local insurance agents who will return price quotes for your insurance coverage. You don’t have to even leave your home as quotes are delivered immediately to your email address. Now that’s easy! Get lower rates without the usual hassles of price shopping.
Deciding on an insurance company requires more thought than just a low price. Any agent should have no problem answering these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Which insurance companies are they affiliated with?
- If they are an independent agency, which companies do they recommend?
- Do they feel the quoted coverages are adequate?
- Who are their largest clients?
- Do the companies they represent have a solid financial rating?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Two different types of insurance agencies
When finding an insurance agent, there are two types of agencies to choose from. Agents can either be independent or captive.
Captive Insurance Agents
These agents work for only one company such as Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so keep that in mind. Captive agents are very knowledgeable in insurance sales which can be an advantage. Consumers sometimes purchase coverage from captives primarily because of high brand loyalty and the convenience of having all coverages with one company.
The following is a list of captive agencies in Roseville that can give you comparison quotes.
- Allstate Insurance – 2585 Hamline Ave N # F – Roseville, MN 55113 – (651) 631-8818
- American Family Insurance – 2353 Rice St # 140 – Roseville, MN 55113 – (651) 482-0081
- Farmers Insurance Group – 2451 Rice St – Roseville, MN 55113 – (651) 484-5699
- State Farm Insurance – 2201 Lexington Ave N # 102 – Roseville, MN 55113 – (651) 488-7810
Independent Agents
These agents are not locked into one company but rather can write business with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with different regional companies which can be an advantage.
The following are Roseville independent agents willing to provide price quotes.
- Cox Insurance Assoc – 3116 Fairview Ave N – Roseville, MN 55113 – (651) 647-0001
- Dan De Foe Agency – 2151 Hamline Ave N # 110 – Roseville, MN 55113 – (651) 777-1509
- Edlund Agency Inc – 2049 Snelling Ave N – Roseville, MN 55113 – (651) 631-0505
- Mutual Service Insurance Co – 2819 Hamline Ave N # 107 – Roseville, MN 55113 – (651) 638-9155
- Steve Brier Agency – 2345 Rice St # 101 – Roseville, MN 55113 – (651) 415-2747
For a complete listing of insurance agents in Roseville, visit this link.
After receiving answers to your satisfaction for all questions you ask and a low price estimate, you have narrowed it down to an auto insurance agent that is a good match to properly service your auto insurance policy.
Additional Minnesota consumer information
Even more information can be found at the Minnesota Department of Commerce website. Minnesota consumers can find disaster information, report car insurance fraud, read enforcement actions against agents and companies, and find out which companies have the most complaints.
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