Easy Methods to Pay Less on Blaine Auto Insurance
Are you overwhelmed by the dozens of auto insurance companies in Blaine? You're not the only one! Drivers have so many options that it can turn into a real challenge to find the best price.
Good Decisions Result in Lower Rates
Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Understanding what influences your rates enables informed choices that will entitle you to lower auto insurance prices.
- Theft deterrents lower rates - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
- Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
- Rates may be higher depending on your occupation - Careers like judges, architects and accountants tend to have higher rates than average because of high stress and lengthy work days. On the flip side, jobs such as actors, athletes and the unemployed receive lower rates.
- Marriage pays dividends - Having a wife or husband actually saves money when buying auto insurance. Having a significant other means you're more mature and it's proven that being married results in fewer claims.
- A clean driving record saves money - A bad driving record impacts your car insurance rates tremendously. Even one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
- Policy add-ons can waste money - There are a lot of extra coverages that can waste your money if you aren't careful. Coverages like personal injury protection, accident forgiveness and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they're wasting money get rid of them and save.
- Rural vs Urban Areas - Choosing to live in a rural area can save you money when buying auto insurance. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated Minnesota areas tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.
Don't pay full price with these discounts
Car insurance companies don't always list every discount in an easy-to-find place, so we researched some of the best known as well as the least known auto insurance savings. If they aren't giving you every credit possible, you are paying more than you should be.
- Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
- Service Members Pay Less - Having a deployed family member can result in better rates.
- No Accidents - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
- No Charge for an Accident - A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
It's important to note that most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you're out of luck.
To choose insurance companies with the best auto insurance discounts in Blaine, follow this link.
The auto insurance bait and switch
Minnesota drivers can't ignore all the ads that promise big savings by State Farm, Allstate and GEICO. They all say the same thing that you can save if you move to their company.
How do they all say the same thing?
All companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be profiled as between 30 and 50, has no tickets, and has a high credit rating. A propective insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.
Drivers who don't measure up to the "perfect" profile will be quoted higher premiums which usually ends up with business not being written. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can state the savings. This emphasizes why you should compare as many rates as you can. It's not possible to predict which auto insurance company will have the lowest rates.
Find out more about auto insurance
Additional detailed information is located at the Minnesota Department of Commerce website. Minnesota drivers can view a list of available companies, find disaster information, and read industry bulletins.
And the best car insurance company is...
Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, high rates after DUI convictions or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is easier than you think.
Lower-priced auto insurance is definitely available on the web and also from your neighborhood Blaine agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.
As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.