Consumer Tested Strategies to Save on Parkers Prairie Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as many other Minnesota drivers. With so many car insurance companies to choose from, it is very difficult to choose the right provider.

How to Compare Car Insurance Costs in Parkers Prairie

There are several ways you can shop for car insurance and some are less labor-intensive and much quicker. You could spend your day talking to agents in Parkers Prairie, or you can utilize the internet for quick rates.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each participating company returns a rated price. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is that you can't choose which companies you want pricing from. So if you want to select specific providers for rate comparison, we put together a list of low cost car insurance companies in Minnesota. Click here for list of insurance companies in Minnesota.

Which method you use is up to you, but double check that you are using apples-to-apples coverages and limits for each price quote. If you compare different deductibles it will be next to impossible to truly determine the lowest rate in Parkers Prairie.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower car insurance prices.

Listed below are a few of the "ingredients" car insurance companies consider when setting premiums.

Liability coverage is cheap - Liability insurance will protect you if you are found liable for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
What type of vehicle do you drive? - The make and model of the car you are insuring makes a huge difference in determining your rates. The most favorable rates are generally reserved for small economy passenger vehicles, but there are many factors that impact the final cost.
Poor driving leads to higher costs - Whether or not you get tickets has a big impact on rates. Careful drivers receive lower rates than bad drivers. Just one moving violation can boost insurance rates by twenty percent. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
More miles equals more premium - The more miles you rack up on your car every year the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance policy properly reflects how each vehicle is driven.
Marriage brings a discount - Having a spouse can actually save you money when buying car insurance. Having a spouse means you're more responsible and it's statistically proven that drivers who are married are more cautious.
Older drivers save more - Youthful drivers in Minnesota are statistically proven to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and are safer drivers.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Most are applied when you get a quote, but less common discounts must be specifically requested before you will receive the discount. If you don't get every credit available, you're just leaving money on the table.

Club Memberships - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Paperless Signup - Certain companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers offering car insurance discounts in Minnesota, follow this link.

Additional information can be found on the website for the Minnesota Department of Commerce through this link. Visitors are able to find out which companies have the most complaints, find disaster information, learn about specific coverages, and file complaints about a company.

Other useful links include this link for Minnesota car insurance quotes and this link which helps you find a Parkers Prairie agent.

A tidy conclusion

Cheaper car insurance is available both online and also from your neighborhood Parkers Prairie agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just covered a lot of information how to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper compared to the large companies like .