Car Insurance in Jordan Minnesota - 10 Discounts You Might be Unaware of

Expensive car insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Having so many insurance companies to choose from, it can be hard to find the best car insurance company.

compare Jordan car insurance rates

How much can you save with these ten discounts?

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. Some discounts apply automatically when you complete an application, but a few need to be inquired about before they will apply.

  • Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Accident Waiver - Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance.
  • No Accidents - Drivers who don't have accidents can save substantially when compared to accident-prone drivers.
  • Low Mileage Discounts - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Distant Student - Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To choose insurance companies offering car insurance discounts in Minnesota, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch to their company. But how can every company claim to save you money?

All companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be quoted higher rates and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings.

This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Additional information can be found on the website for the Minnesota Department of Commerce located here. Visitors are able to view a list of available companies, learn about insurance regulations, find out industry alerts, and file complaints about an insurance agent or broker.

Other informative sites include this site for car insurance rates in Minnesota and this list of insurance agents in Jordan, MN.

The best insurance company isn't always the cheapest

Cheap car insurance can be found both online and also from your neighborhood Jordan agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, do not buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.