How to Get the Cheapest New London Car Insurance

Buying affordable New London car insurance on the internet is problematic for consumers new to buying insurance on the web. With a ridiculous number of choices, how can consumers even start to compare the different rates to find the lowest price available?

It's important to get comparison quotes yearly since rates are constantly changing. Just because you had the lowest price six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out the proper way to buy cheaper car insurance.

How to Get Cheap Car Insurance in New London, MN

Comparing car insurance rates can take hours if you aren't aware of the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in New London, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and every company then gives them pricing. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you are unable to specify the providers you want pricing from. If you wish to select from a list of companies to compare, we put together a list of the cheapest car insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

Which method you use is up to you, but make sure you use exactly the same coverages and limits for every company. If you compare different deductibles you will not be able to decipher which rate is best in New London. Just a small difference in coverages could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons will improve the odds of getting a lower rate.

How much can you save with discounts?

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so we researched some of the more common and the harder-to-find car insurance savings.

  • Accident Waiver - A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Use Seat Belts - Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies offering car insurance discounts in New London, follow this link.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form.

Learn more about car insurance in Minnesota

Even more information is located at the Minnesota Department of Commerce website. Consumers can get help finding coverage, view agent and company licensing information, and find out industry alerts.