Tightwads Instructions on Saving on Apple Valley, MN Auto Insurance

Finding low-cost Apple Valley auto insurance on the web is intimidating for people who are new to online price comaprisons. Because there are so many companies competing online, how can consumers effectively compare them all to find the best available price?

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to find better prices while maximizing coverage. The purpose of this article is to let you in on the most effective way to quote insurance and some tricks to saving. Minnesota drivers only need an understanding of the proper methods to buy auto insurance over the internet.

Compare Auto Insurance Today

Getting a lower price on insurance can be quick and easy. All that’s required is to spend a little time comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The easiest and least time consuming way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing boring form submissions for every auto insurance company. One form submission gets you price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Allstate, Safeco and State Farm. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in Apple Valley, click here.

  • The hardest method of getting rate comparisons is to drive around to different Apple Valley agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only a license agent can provide. It is possible to comparison shop your insurance online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits for each price quote. If your comparisons have mixed coverages then you won’t be able to determine which rate is truly the best in Apple Valley.

Don’t miss out on these money-saving discounts

Companies do not list every discount very well, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Citizens – Mature drivers may be able to get reduced rates.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

For more information

More detailed Minnesota auto insurance information can be found at the Minnesota Department of Commerce website. Visitors are able to download brochures, file complaints about an insurance agent or broker, and get help finding coverage.