Fridley Auto Insurance Buying Tips You Aren’t Supposed to Know

Nobody looks forward to paying for auto insurance, particularly when they are paying too much.

Many car insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest rate possible.

Cut your auto insurance rates with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Most are applied when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • Senior Citizens – Older drivers can possibly qualify for a discount up to 10%.
  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on auto insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.
  • Homeowners Discount – Owning a home in Fridley can save you money due to the fact that maintaining a home requires personal responsibility.
  • E-sign – Certain companies may give you up to $50 simply for signing online.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Finding Auto Insurance in Fridley, MN

All the larger auto insurance companies give price estimates directly from their websites. Getting quotes is fairly simple as you just type in the coverages you want into the quote form. When complete, their system automatically orders your credit score and driving record and gives you a price quote determined by many factors. This streamlines rate comparisons, but the process of having to visit different websites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find the lowest possible prices on auto insurance image

The easiest way to lower your rates uses one form that gets prices from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending your information, it is quoted and you can select any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly compare rates using this form now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you type in the coverages identical to your current policy. This way, you are getting comparison quotes for exact coverage.

Different people need different coverages

When it comes to buying coverage, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover my expensive audio equipment?
  • Why am I required to buy high-risk coverage?
  • Should I rate my vehicle as pleasure use or commute?
  • When should I remove comp and collision on my vehicle?
  • Is pleasure use cheaper than using my vehicle to commute?
  • How much underlying liability do I need for an umbrella policy?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

The best insurance company isn’t always the cheapest

You just read a lot of tips how to lower your auto insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small local company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Low-cost auto insurance can be found from both online companies as well as from independent agents in Fridley, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.