Everyone knows that insurance companies want to keep your business as long as possible. People who shop around are likely to switch to a new company because of the high probability of finding lower rate quotes. A recent insurance study discovered that consumers who make a habit of shopping around saved over $860 a year compared to people who never compared other company’s rates.
If saving money on auto insurance in Minneapolis is the reason for your visit, learning the best ways to find and compare car insurance can help you succeed in finding affordable rates.
If you want to save money, the best way to get budget Dodge Stratus insurance in Minneapolis is to annually compare prices from different companies in Minnesota. You can compare rates by completing these steps.
Step 1: Try to comprehend auto insurance and the things you can change to lower rates. Many things that increase rates such as getting speeding tickets and poor credit rating can be improved by making lifestyle changes or driving safer.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can quote rates for many different companies.
Step 3: Compare the quotes to your current policy premium to determine if switching companies saves money. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Give notification to your current company to cancel your current policy. Submit payment and a signed application to your new company or agent. Be sure to safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.
One thing to point out is to make sure you’re comparing identical deductibles and limits on every quote request and and to get price estimates from as many auto insurance providers as possible. This enables the most accurate price comparison and maximum price selection.
Finding and buying more affordable coverage in Minneapolis is easy if you know what you’re doing. If you’re already insured or need a new policy, you can learn to find the best rates without having to cut coverage. Comparison shoppers only need to know how to compare rates on the web.
Low Cost Dodge insurance rates in Minneapolis
The following companies can provide price comparisons in Minneapolis, MN. If you want the best cheap auto insurance in Minneapolis, MN, we suggest you visit several of them in order to find the most competitive rates.
Dodge Stratus insurance discounts in Minneapolis
Car insurance companies don’t always publicize every discount available very clearly, so the list below contains some of the best known and also the more inconspicuous credits available to you.
- Multi-line Discount – Not all auto insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the personal injury premium cost.
- Paperwork-free – A few larger online companies may give you up to $50 for buying a policy and signing up digitally online.
- Multiple Policy Discount – If you can bundle your home and auto insurance with the same company you may earn nearly 15% which can help you find inexpensive Dodge Stratus insurance in Minneapolis.
- Defensive Driver Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
- ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
- Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
- Senior Citizen Discount – If you’re over the age of 55, you are able to get a small decrease in premiums.
Don’t be surprised that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way.
To locate insurance companies who offer free Dodge Stratus insurance quotes in Minneapolis, follow this link.
Why Informed Drivers Pay Less for Dodge Stratus Insurance
When buying car insurance it’s important to understand some of the elements that are used to determine your policy premiums. If you know what controls the rates you pay, this enables informed choices that may reward you with better car insurance rates.
Good drivers pay the best premiums – Being a careful driver has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Even a single chargeable violation can boost insurance rates twenty percent or more. Drivers who have license-revoking violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state’s department of motor vehicles in order to prevent a license revocation.
Drivers with responsible credit save on car insurance – A driver’s credit rating is likely to be a major factor in determining your rates. Drivers who have very good credit scores tend to be less risk to insure as compared to drivers with worse credit. Therefore, if your credit score can be improved, you could save money insuring your Dodge Stratus by repairing your credit.
Impacts performance impacts auto insurance premiums – The type of vehicle you are trying to find cheaper insurance for makes a huge difference in your premium level. Lower cost passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.
Amount of liability – The liability section of your policy kicks in if ever you are ruled to be at fault for damages caused by your negligence. Liability insurance provides legal defense to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Your address can affect premiums – Being located in small towns and rural areas is a positive aspect when talking about car insurance. Residents of big cities have more traffic problems and more severe claims. Fewer drivers corresponds to lower accident rates in addition to lower liability claims.
Do I need special coverages?
When buying the right insurance coverage, there isn’t really a one-size-fits-all type of policy. Every insured’s situation is different so your insurance should reflect that
Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.
- What is an SR-22 filing?
- I have a DUI can I still get coverage?
- What does UM/UIM cover?
- Do I need special endorsements for business use of my vehicle?
- Can my babysitter drive my car?
- Am I covered when delivering products for my home-based business?
- Am I covered if I crash into my own garage door?
- Can I insure my car for more than it’s worth?
- Is my custom paint covered by insurance?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Neighborhood agents and auto insurance
Many people still like to visit with an insurance agent and that can be a smart move Licensed agents are trained risk managers and will help you if you have claims. One of the best bonuses of comparing rates online is the fact that you can find cheap rate quotes and still choose a local agent. Buying from neighborhood agents is still important in Minneapolis.
After completing this quick form, your insurance data is transmitted to insurance agents in Minneapolis who will give competitive quotes and help you find cheaper coverage. You never need to search for an agent since price quotes are sent instantly to you. If you wish to compare rates for a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.
What type of Minneapolis car insurance agent is right for you?
If you would like to find a reliable agent, you must know there are a couple different agency structures and how they differ in how they quote coverages. Agencies in Minneapolis may be either independent agents or exclusive agents depending on their employer. Both handle auto insurance, but it is a good idea to know the subtle differences since it can impact which agent you choose.
Independent Agents (or Brokers)
These agents can sell policies from many different companies and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If your premiums go up, they simply move the coverage in-house and you don’t have to do anything. If you are comparing rate quotes, we recommend you get some free quotes from a few independent agents in order to have the best price comparison.
Listed below is a partial list of independent agencies in Minneapolis who can help you get free auto insurance quotes.
Bernie Glover Insurance Agency
2520 Lowry Ave N – Minneapolis, MN 55411 – (612) 522-6531 – View Map
Skarnes Agency Inc.
1845 NE Stinson Blvd – Minneapolis, MN 55418 – (612) 354-2040 – View Map
Erickson Insurance Agency
8525 Edinbrook Crossing #401 – Minneapolis, MN 55443 – (763) 657-7608 – View Map
Exclusive Auto Insurance Agencies
Agents of this type can only write with one company and some examples include State Farm, Allstate and AAA. They are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are well schooled on sales techniques which can be an advantage.
The following are exclusive agencies in Minneapolis willing to provide comparison quotes.
Jerry Vang – State Farm Insurance Agent
701 4th Ave S #220 – Minneapolis, MN 55415 – (612) 338-6400 – View Map
Allstate Insurance: Lois A. Castaneda
127 W Grant St, # C – Minneapolis, MN 55403 – (612) 871-6830 – View Map
Julie Nadeau – State Farm Insurance Agent
7801 E Bush Lake Rd #200 – Minneapolis, MN 55439 – (952) 937-2020 – View Map
Choosing an auto insurance agent should depend on more than just a cheap price quote. A good agent in Minneapolis will have answers to these questions.
- What are their preferred companies if they are an independent agency?
- Is the agency covered by Errors and Omissions coverage?
- What is the agency’s Better Business Bureau rating?
- Which members of your family are coverage by the policy?
- How many years have they been established?
- Will they give you a referral list?
- Is the agent CPCU or CIC certified?
- Which company do they place the most coverage with?
If you get acceptable answers to your questions and a low price estimate, you may have just found an auto insurance agent that meets the requirements to service your policy. Just be aware that you have the power to cancel a policy for any reason so don’t assume that you’re stuck with the auto insurance policy with no way out.
Minnesota auto insurance companies
Ending up with the right auto insurance company can be a challenge considering how many companies sell insurance in Minnesota. The company rank data displayed below can help you decide which coverage providers you want to consider buying from.
Top 10 Minneapolis Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Persistence pays off
We just presented many ideas to lower your Dodge Stratus insurance rates in Minneapolis. The key concept to understand is the more you quote Minneapolis auto insurance, the higher your chance of finding affordable Minneapolis auto insurance quotes. You may even find the lowest rates come from a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Some companies do not provide rates over the internet and many times these smaller companies only sell through independent insurance agents. The cheapest Dodge Stratus insurance in Minneapolis is attainable both online and from local insurance agents, so you should compare both to have the best chance of lowering rates.
Additional information can be read below:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Minneapolis? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Government Employees in Minneapolis? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Equinox in Minneapolis? (FAQ)
- Who Has Cheap Minneapolis Car Insurance for High Mileage Drivers? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Collision Coverage (Liberty Mutual)