Comparing the Cheapest Rice Car Insurance

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as millions of other consumers.

Popular companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Rice is quite easy. Nevertheless, Minnesota car owners do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies don't list every discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Homeowners Pay Less - Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
Military Rewards - Being on active duty in the military may qualify for rate reductions.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Passive Restraint Discount - Cars that have air bags can qualify for discounts of up to 25% or more.
Accident Free - Claim-free drivers pay much less when compared to drivers who are more careless.
Clubs and Organizations - Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance.

Consumers should know that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make an identical promise of big savings after switching to them. How can each company make the same claim?

All companies can use profiling for the type of driver that earns them a profit. For instance, a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently advertise the way they do. This emphasizes why you should compare many company's rates. Because you never know the company that will provide you with the cheapest rates.

More tips and info about car insurance is located at the Minnesota Department of Commerce website. Consumers can download brochures, view a list of available companies, get help finding coverage, and find disaster information.

Shop smart and save

Cost effective car insurance can be sourced from both online companies and with local Rice insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

We just showed you many tips how you can reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like .