Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are many Rochester consumers feeling the pinch from expensive car insurance. Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates and get the definite best rate
Consumers should take time to check car insurance prices quite often since insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out how to quote online to find better coverage at a better price.
If you have insurance now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. Buying car insurance in Rochester is not that difficult. Minnesota consumers only need to know the proper way to compare price quotes online.
All major car insurance companies such as State Farm and Allstate quote prices on their websites. Getting online rates doesn’t take much effort as you just enter the coverages you want as detailed in the form. After you submit the form their system requests reports for credit and driving violations and generates a price. Quoting online simplifies rate comparisons, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it is imperative to get many rate quotes if you are searching for the lowest possible prices on car insurance.
There is a better way!
The smarter way to compare rates requires only one form to get prices from a bunch of companies at once. This type of form saves time, reduces the work, and makes online quotes much more enjoyable. Immediately after you send the form, it is rated and you can choose any or none of the quote results.
If you find a better price you can click and sign and purchase coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.
To save time and find out how much you can save on car insurance, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter identical to your current policy. This ensures you will be getting a fair comparison for the exact same coverage.
An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.
The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be specifically requested in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.
Drivers should understand that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut your overall premium however.
To choose insurers with the best car insurance discounts in Rochester, follow this link.
Some people prefer to buy from a licensed agent and that is a personal choice. Good agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you may find lower rates but also keep your business local. And supporting local agencies is important especially in Rochester.
To help locate an agent, after submitting this simple form, the quote information is immediately sent to agents in your area who will battle for your business. You won’t need to even leave your home since price quotes are sent to your email. It doesn’t get any easier!
When finding a local agent, you must know there are a couple types of agencies to choose from. Insurance agencies in Rochester are classified as either independent or captive. Either one can do a good job, but it’s worth mentioning the differences because it can influence the selection process.
Independent agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and that require little work on your part.
When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a short list of independent agents in Rochester who may be able to give you competitive price quotes.
Larry Flicek Insurance – 1530 Greenview Dr SW # 203 – Rochester, MN 55902 – (507) 288-5052
HEARTMAN Insurance – 1635 Greenview Dr SW – Rochester, MN 55902 – (507) 288-3834
Jon De Kok Agency – 2311 Highway 52 N # A – Rochester, MN 55901 – (507) 285-9927
Curt Sorenson Agency – 1816 2nd St SW # A – Rochester, MN 55902 – (507) 281-0435
John W Pagelkopf Agency – 1500 1st Ave NE # 216 – Rochester, MN 55906 – (507) 289-7877
This type of agents write business for a single company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agencies receive extensive training on the products they sell which can be an advantage.
Shown below are captive insurance agencies in Rochester willing to provide price quotes.
State Farm Insurance – 3510 8th St NW – Rochester, MN 55901 – (507) 288-4124
Allstate Insurance – 1652 Greenview Dr SW # 220 – Rochester, MN 55902 – (507) 285-5758
Farm Bureau Financial Svc – 1820 2nd St SW – Rochester, MN 55902 – (507) 288-0850
American Family Insurance – 2746 Superior Dr NW # 150 – Rochester, MN 55901 – (507) 292-5720
Farmers Insurance Group – 401 16th St SE # 401 – Rochester, MN 55904 – (507) 288-3179
For a complete listing of Rochester captive insurance agents, click here to link.
Deciding on an auto insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:
Once you have positive responses to your questions and locked in a price quote, you’ve probably found an insurance agency that can adequately provide car insurance.
We just presented many tips how you can shop for car insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from the least-expected company. Some small companies often have lower prices on specific markets than their larger competitors like Progressive or GEICO.
When you buy insurance online, don’t be tempted to reduce needed coverages to save money. There have been many cases where drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at an affordable rate.
Much more information about car insurance in Minnesota can be found on the website for the Minnesota Department of Commerce. Click here for link. Minnesota consumers can find disaster information, read state legal mandates and laws, and read industry bulletins.