Free Guide to Spending Less for Oakdale Auto Insurance Online

I can't think of anyone who enjoys paying for auto insurance, in particular when the price is too high.

With consumers having so many companies and agents to choose from, it can be diffult for consumers to pick the cheapest car insurance company.

It's important to check auto insurance prices occasionally because insurance rates are constantly changing. Just because you found the best deal a few years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to save money, get proper coverage and the best rates.

Choosing the best insurance company for you in Oakdale is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. But Minnesota drivers do need to know the methods companies use to sell online and take advantage of how the system works.

Automobile Insurance Quotes in Oakdale, MN

Most companies give prices for coverage online. Getting online rates is fairly straightforward as you just type in your coverage preferences into the quote form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and gives you a price quote based on many factors. This makes comparing rates easy, but the process of having to visit several different sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to get a lower rate.

A quicker way to get multiple rate quotes uses one simple form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes rate comparisons much easier to do. After sending the form, your coverage is rated and you can select any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To save time and find out how much you're overpaying now, click here and enter your information. If you have a policy now, it's recommended you enter coverages and limits just like they are on your policy. This ensures you will have rate comparison quotes for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't list all their discounts very well, so here is a list both well-publicized and the harder-to-find auto insurance savings.

  • Accident Forgiveness - Some insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings - Owning a house in Oakdale may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Discount for New Cars - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Use Seat Belts - Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, companies wouldn't make money that way.

To see a list of companies who offer auto insurance discounts in Minnesota, follow this link.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Every insured's situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need to file an SR-22 for a DUI in Minnesota?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?

If you don't know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

More detailed Minnesota auto insurance information is available at the Minnesota Department of Commerce website. Minnesota consumers can learn about insurance regulations, read consumer alerts, file complaints about a company, and report car insurance fraud.

Additional helpful sites include this site for Minnesota auto insurance information and see this list of insurance agents in Oakdale.