Things You Must Know Before Purchasing Andover, MN Car Insurance Online

Have you fallen victim to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like GEICO, 21st Century and Progressive continually hit you with TV and radio ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and still get good coverage. Choosing the best insurance company for you in Andover is not rocket science. Minnesota drivers only need an understanding of the most effective way to find the lowest price over the internet.

Andover Car Insurance Comparisons

There are a variety of methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste a lot of time talking about coverages with agents in Andover, or you could save time and use online quoting to maximize your effort.

Many popular insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company provides a quote based on that data. This saves time by eliminating quote forms to every company.

To participate in this free quote system, click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose which providers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a page of low cost car insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits on every quote. If you enter different limits and deductibles on each one then you won’t be able to truly determine the lowest rate in Andover.

Do you really save 40% when you switch?

Consumers in Minnesota can’t get away from ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. They all say the same thing that you can save if you move to their company.

How does each company claim to save you money?

Different companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer could possibly be over the age of 50, is a homeowner, and has a high credit rating. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential insureds who are not a match for these standards will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently state the savings.

This emphasizes why you need to get quotes from several different companies. It’s not possible to predict which car insurance company will fit your personal profile best.

Take advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but less common discounts must be specifically requested before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
• Low Mileage Discounts – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
• Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts of 20% or more.
• Driver’s Ed – Have your child take driver’s ed class if offered at their school.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free car insurance policy, you won’t be that lucky. But any discount will cut your premiums.

To see a list of insurers with the best car insurance discounts in Andover, follow this link.

Additional car insurance information can be found on the website for the Minnesota Department of Commerce. Click here for link. Minnesota consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read consumer alerts.

One last thing about your coverage

You just learned a lot of information how to lower your car insurance rates. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Lower-priced car insurance is possible online as well as from independent agents in Andover, so you should compare both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.