5 Simple Tricks to Lower Car Insurance Costs in Brooklyn Park, MN
Finding affordable Brooklyn Park car insurance is a challenge for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can turn into a lot of work to compare prices in Brooklyn Park.
It's important to compare rates once or twice a year since rates are constantly changing. Just because you found the lowest price last year there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you're about to find out the quickest way to lower your rates without sacrificing coverage.
Comprehensive Car Insurance Comparison in Brooklyn Park
All major car insurance companies provide prices on their websites. Getting quotes is quite easy as you just type in the amount of coverage you want as detailed in the form. After the form is submitted, their rating system will obtain credit information and your driving record and returns a price quote determined by many factors.
Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find the best price on car insurance.
The preferred way to find cheaper rates is to use a quote form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.
To find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended you input the coverage information as close as possible to your current policy. This makes sure you will have a fair comparison for the exact same coverage.
Are you getting all your discounts?
Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known ways to save on car insurance.
- New Car Discount - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
- Organization Discounts - Belonging to a civic or occupational organization could trigger savings on car insurance.
- Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
- Braking Control Discount - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.
To choose companies with discount car insurance rates in Brooklyn Park, click this link.
How can GEICO, State Farm and Progressive save drivers who switch?
Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to make the same claim about savings if you change to their company. How can each company make the same claim?
Insurance companies can use profiling for the driver that makes them money. For instance, a desirable insured could be a mature driver, has no tickets, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.
Drivers who are not a match for the requirements will have to pay a higher premium which leads to business going elsewhere. The ads state "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.
Even more information is located at the Minnesota Department of Commerce website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and find out which companies have the most complaints.
The best insurance company isn't always the cheapest
As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford.
Insureds leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, questionable increases in premium or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.
Cheaper car insurance can be sourced from both online companies and also from your neighborhood Brooklyn Park agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
