Car Insurance in Arlington - 10 Discounts You Might be Missing

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you're not alone. Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months since rates are constantly changing. Even if you got the lowest price a few years ago you may be paying too much now. There is too much inaccurate information about car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.

The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Minnesota vehicle owners just need to know the most efficient way to shop for car insurance online.

Comprehensive Arlington Car Insurance Comparison

Most major insurance companies like State Farm and Allstate give coverage prices on the web. Getting quotes is pretty painless as you simply enter the coverages you want as detailed in the form. Behind the scenes, their rating system will obtain reports for credit and driving violations and generates pricing information based on these and other factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

A less time-consuming method to lower your rates is to use a quote form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any one of the returned quotes.

If you find a better price you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you copy the coverage information just like they are on your policy. This way, you will receive a price comparison based on similar coverages.

These ten discounts can lower your rates

Car insurance can cost a lot, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you get a quote, but a few must be manually applied before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.

Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Multi-car Discount - Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Resident Student - Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
New Car Discount - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
Multi-policy Discount - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
No Accidents - Drivers with accident-free driving histories pay much less compared to frequent claim filers.
Service Members Pay Less - Having a family member in the military could mean lower rates.
Low Mileage - Driving fewer miles could be rewarded with better rates on cars that stay parked.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

For a list of providers offering car insurance discounts in Minnesota, click this link.

Much more information about car insurance in Minnesota is located on the website for the Minnesota Department of Commerce found here. Consumers can file complaints about a company, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

And the best car insurance company is...

You just learned some good ideas how to lower your car insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small mutual company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as .

Budget-conscious car insurance can be found from both online companies and also from your neighborhood Arlington agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.