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Minnesota Car Insurance

In Minnesota, car insurance can be a pricey investment, just as it is in many other parts of the United States. Therefore, it is important to do your homework and find ways to cut costs on your Minnesota car insurance policy. By taking the time to read and learn about the ins and outs of your options and requirements for car insurance in Minnesota, you will be able to pocket some good savings that might even help you pay for that next tank of gas!

Saving Money On Minnesota Car Insurance

There are numerous tips that you hear about when trying to look for inexpensive Minnesota car insurance. The problem is that there are so many variables to take into consideration that the best deal for one person may turn out to be a terrible deal for another. Below are some standard tips that work across the board for anyone looking for a cheap Minnesota auto insurance.

Raise your deductibles on your collision and comprehensive insurance coverage, if you carry them. Be sure that the deductibles are still manageable if something were to happen. However, you can save quite a bit of money in premiums over the run of several years by having higher deductibles.
If your vehicles are getting up there in age, you may want to check into their book value. If they are no longer worth much, you may want to remove coverage like collision and comprehensive. After paying the deductible, it may not be worth the yearly premium for what you would actually receive in case of a loss.
Ask for and make sure you get every discount coming your way. Every insurer offers something a little different in the way of discounts in order to appeal to different groups and as many people as possible. Sometimes even if you do not qualify for a certain discount, you can easily do something to obtain it. Paying $5 to become a member of a credit union is worth it to save a percentage of your yearly insurance premiums.
Try to limit the mileage you put on your vehicle yearly. One of the things that insurance underwriters take into consideration when determining rates is how many miles you drive it each year. So carpool, avoid joy riding and walk when you can. Not only will you save money on car insurance but on gas too.
Shop around. This is the absolute best way to make sure that you are getting the best possible deal on car insurance. Compare what is out there and make sure you look at no less than 3 different quotes, although more is better.

How NOT To Save Money On Minnesota Car Insurance

Below are tips of things not to do when you want to save on your yearly car insurance premiums.

Don’t be tempted to go with just the state minimum required amounts of car insurance in order to save money. Those limits were put in place as guidelines and are law. However, they are terribly inadequate for real life protection.
Don’t automatically go with your old insurance company when they send your renewal papers. Review the coverage and get at least 3 price quotes to compare and make sure that you are still receiving competitive pricing. You also want to double-check to make sure you have all the discounts they offer. Something may have changed since the last time you spoke with an agent.

Finding Quality Minnesota Car Insurance Coverage

Even if you are looking for a great deal on Minnesota car insurance, it doesn’t mean you have to scrimp on quality. There is a good insurance fit for practically everyone. By carefully comparing the prices, offerings and companies, you can find one that offers a good competitive price, quality coverage and security for you.

Some of the top Minnesota car insurers include:

Travelers
The Hartford
Liberty Mutual
Nationwide
Progressive
GEICO
State Farm
Farmers
Esurance
Met Life