7 Best Methods to Cut Car Insurance Costs in Murdock

Paying for high-priced car insurance can empty your savings account and put the squeeze on your family's finances. Comparison shopping is a smart way to make sure you're not throwing money away. Lots of contend to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest price

It's important to compare prices quite often since rates are constantly changing. Just because you found the best price on your last policy there is a good chance you can find better rates now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the quickest way to find better coverage at a better price.

How to Buy Murdock Car Insurance Online

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can spend your afternoon talking to insurance companies in Murdock, or you can utilize online quoting to accomplish the same thing much quicker.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company can provide price quotes for coverage. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is you cannot specify which providers you will receive quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of low cost car insurance companies in Minnesota. Click here to view list.

It doesn't matter which method you choose, just make darn sure you compare the exact same quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Murdock.

How much can you save with these seven discounts?

Car insurance can cost a lot, but you can get discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
55 and Retired - If you're over the age of 55, you may receive better car insurance rates.
Organization Discounts - Belonging to certain professional organizations could qualify you for a break on your policy.
Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
Accident Waiver - A few companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose providers with discount car insurance rates in Murdock, follow this link.

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

Consumers can't ignore all the ads for car insurance savings by State Farm and Allstate. All the ads say the same thing about savings if you change to their company.

How do they all make the same claim?

Insurance companies have a preferred profile for the driver that makes them money. For example, a preferred risk could be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be charged a higher premium which usually ends up with business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings.

That is why you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

How much car insurance do I need?

When buying the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

Do I need to file an SR-22 for a DUI in Minnesota?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Additional information can be found on the website for the Minnesota Department of Commerce through this link. Consumers can file complaints about a company, read enforcement actions against agents and companies, find out which companies have the most complaints, and report car insurance fraud.

And the best car insurance company is...

You just learned a lot of tips how to compare car insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the most savings is with an unexpected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

When you buy insurance online, never reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Murdock agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.