Car Insurance in Ellendale, MN - 6 Tricks to Save Money
Are you overwhelmed by the dozens of car insurance company choices in Ellendale? Lot's of other consumers are too. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find lower rates.
Compare the Market for Car Insurance in Ellendale
Most major insurance companies such as Progressive, Allstate and GEICO allow you to get coverage price quotes directly from their websites. Getting quotes doesn't take a lot of time as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, their rating system will obtain your driving and credit reports and generates a price.
Online price quotes makes it a lot easier to compare rates but the time required to go to many different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step in order to find better car insurance pricing.
A less time-consuming method to find better car insurance pricing is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much simpler. After sending your information, it is rated and you can select any of the returned quotes.
If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.
To find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it's recommended that you enter as shown on your current policy. This way, you will receive a fair comparison based on similar coverages.
These six discounts can lower your rates
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings.
- No Claims - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
- Driver Safety - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
- Life Insurance - Some companies give lower rates if you buy life insurance from them.
- Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
- New Car Discount - Insuring a new car can save up to 30% compared to insuring an older model.
- No Charge for an Accident - A few companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
Keep in mind that most discounts do not apply the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free car insurance policy, it just doesn't work that way. But any discount will cut the cost of coverage.
For a list of insurance companies who offer car insurance discounts in Ellendale, click here to view.
More information is located on the Minnesota Department of Commerce website located here. Consumers can read industry bulletins, discover disciplinary actions, and file complaints about an insurance agent or broker.
Do the work, save more money
People change insurance companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, delays in paying claims and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.
Affordable car insurance can be purchased from both online companies in addition to many Ellendale insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.
When you buy insurance online, you should never reduce needed coverages to save money. There are too many instances where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.
