There are several ways to save on car insurance in St. Paul MN. Most of these ways are so simple that it should be a crime that it’s not published on every insurance website in the world, because it saves them money in the long run as well. Here are a few very simple ways to save money every year on auto insurance.
Go to the Top – Tier that is
As a general practice, insurance companies usually sort-out their customers by their likelihood of filing an insurance claim. Once they are separated into these categories, they are then place on levels called ‘tiers’. A Top Tier customer will generally have zero insurance claims in recent years, live in low-theft neighborhoods and are low risk for moving violations. These top-tier members usually save up to 15% on the base rate. However, usually you have to ask the insurance provider to include you in top-tier status. So, don’t be afraid to ask for top tier status.
Shop For Car Insurance in St. Paul MN PRIOR to buying a car
Before you buy your car, you might want to shop for insurance rates prior. The difference between an insurance premium for a car and a truck or SUV can be huge. Also, different brands and manufactures attract higher rates for insurance based on multiple factors. Here is a great program that we suggest is once you determine what type of car you’d like to purchase.
1) Determine what type of vehicle (meaning SUV, Truck, Car) and break it down by selecting three manufactures.
2) Call a few insurance companies and ask for a rate for all three (but make sure every quote is equal, meaning all the services and coverage levels are the same)
3) Figure out from the dealer or your lender what your monthly payment would be for the vehicle.
4) Once you’ve figured out how much each policy is, how much each car payment is, add them together. Example: If car “A” cost $300 per month, and Insurance with company A is $100 your total cost is $400 for the car.
5) Do this with each brand and insurance agency and pick the one which works best for you. This will save you money in the long run.
Get Safety Driven Upgrades
Many companies that offer car insurance in St. Paul MN offer significant discounts for specific safety upgrades like air bags, anti-lock brakes, alarm systems and lo-jack tracking devices. It might cost you a little more in the total vehicle cost, however, in the long run, this can save you a lot of money as well as significantly reduce fatal injuries or have your car stolen. That’s a savings you can’t put a price on.
Multi-Policy is Multi-Great
Group your insurance policies together with the same company any time possible. The best thing that people can do is have the same insurance company cover all their insurance needs because this can save you a ton of money on insurance for multiple policies. Plus, having to deal with only one insurance agent as opposed to many is always a positive.
When looking to save money on car insurance in St. Paul, MN a great way to start is simply doing some homework, grouping your policies and look at the long term ways of saving money.
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