Searching for lower-priced Buick Rendezvous insurance in Minneapolis? Are you regretting the purchase of high-priced Buick Rendezvous insurance in Minneapolis? Trust us when we tell you many Minneapolis consumers are in the same pinch.
It’s an obvious assumption that car insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop for lower rates are likely to move their business because there are good odds of finding a lower-cost company. A recent survey found that consumers who compared rates regularly saved as much as $72 a month as compared to drivers who never compared rates.
If finding the cheapest rates on Buick Rendezvous insurance in Minneapolis is your target objective, then understanding how to shop and compare insurance rates can save time and money. There is such a variety of auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to locate the cheapest rates for Buick Rendezvous insurance in Minneapolis.
Comparison shopping for the lowest cost auto insurance coverage in Minneapolis is not as time-consuming as you think. If you have coverage now or need a new policy, you can follow these tips to save money without reducing coverage. Shoppers just need to know the most efficient way to shop for auto insurance from many different companies.
Finding Buick Rendezvous insurance in Minneapolis, MN
Cutting your auto insurance rates doesn’t have to be difficult. The only thing you need to do is invest a few minutes getting comparison quotes online with multiple companies.
Doing online rate quotes comparisons is so easy that it takes the place of having to spend time driving to all the different insurance agencies. The internet has reduced the need for local agents unless you want the advice and guidance only provided by licensed agents. However, consumers can compare online quotes and get advice from an agent in your area.
The following companies offer price comparisons in Minnesota. If multiple companies are listed, we recommend you visit several of them to find the cheapest auto insurance rates.
Why you need quality insurance for your Rendezvous
Even though it’s not necessarily cheap to insure a Buick in Minneapolis, insurance may be mandatory for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to license the vehicle. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Buick Rendezvous has a loan, most lenders will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Buick at a much higher rate and require you to reimburse them for the much more expensive policy.
- Insurance safeguards both your Buick and your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is currently overpaying as much as $830 a year so you should quote and compare rates at least once a year to be sure current rates are still competitive.
Minneapolis auto insurance discounts
Car insurance companies don’t list all discounts in a way that’s easy to find, so below is a list some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you don’t get every credit you deserve, you are just wasting money.
- Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less as compared to drivers with claims.
- Homeowners Savings – Being a homeowner can save you money because maintaining a house requires a higher level of personal finance.
- Accident Waiver – Not necessarily a discount, but a few companies such as State Farm and GEICO will forgive one accident without getting socked with a rate hike if you have no claims prior to the accident.
- Save over 55 – Older drivers may be able to get a small discount on rates.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
- No Claim Discounts – Minneapolis drivers who stay claim-free have much lower rates as opposed to accident-prone drivers.
Consumers should know that most of the big mark downs will not be given to the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. But all discounts should definitely cut your overall bill.
A list of auto insurance companies and their possible discounts include:
- Esurance offers discounts for anti-theft, DriveSense, emergency road assistance, good student, multi-car, and paid-in-full.
- The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, driver training, good student, air bag, anti-theft, and bundle.
- AAA includes discounts for multi-policy, pay-in-full, good student, anti-theft, AAA membership discount, and good driver.
- GEICO offers premium reductions for military active duty, anti-lock brakes, five-year accident-free, anti-theft, air bags, and emergency military deployment.
- State Farm may include discounts for defensive driving training, Steer Clear safe driver discount, student away at school, safe vehicle, accident-free, and Drive Safe & Save.
When comparing rates, check with each insurance company which discounts you qualify for. Some discounts listed above may not be offered in Minneapolis. To find insurers that offer many of these discounts in Minneapolis, click this link.
Don’t I need to contact an insurance agent?
Many people prefer to visit with an insurance agent and that can be a smart move Professional insurance agents will help you protect your assets and will help you if you have claims. One of the benefits of comparing rate quotes online is the fact that you can find lower rates and still choose a local agent. And providing support for neighborhood insurance agencies is important particularly in Minneapolis.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is immediately sent to participating agents in Minneapolis that can provide free Minneapolis car insurance quotes for your insurance coverage. You won’t need to contact any insurance agencies since rate quotes are delivered immediately to your email address. In the event you want to compare rates for a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
What types of car insurance agents are in Minneapolis?
When finding a local Minneapolis insurance agent, it’s helpful to know the different types of agencies that you can select. Agents in Minneapolis are considered either independent or exclusive. Either can properly insure your vehicles, but it’s important to know the difference between them because it can factor into the type of agent you choose.
Independent Insurance Agencies
Agents of this type are not restricted to one company so they can write business with an assortment of companies and find you the best rates. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to do anything. When searching for an agent, it’s a good idea to get insurance quotes from at least one independent agent to have the most options to choose from.
Listed below are Minneapolis independent agencies that can give you free price quotes.
2736 Lyndale Ave S – Minneapolis, MN 55408 – (612) 872-4004 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company and some examples include State Farm, Allstate and AAA. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. These agents are well trained on their products and sales techniques which can be an advantage.
The following are exclusive agents in Minneapolis that can give you price quote information.
Finding the right insurance agency requires more thought than just a cheap price quote. These are some questions your agent should answer.
- Will you get a loaner vehicle if you car is being repaired?
- Do they specialize in personal lines auto insurance in Minneapolis?
- Do you need full coverage on every vehicle?
- What are the financial ratings for the companies they represent?
- Which companies do they recommend if they are an independent agency?
- Is the agent and/or agency licensed to do business in Minnesota?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will your rates increase after a single accident?
How much car insurance do I need?
When selecting adequate coverage for your vehicles, there really isn’t a one size fits all plan. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.
- Can I use my car for my catering business?
- Do I need special coverage while pulling a rented trailer?
- What are the financial responsibility laws in my state?
- How high should my medical payments coverage be?
- What is the premium to book value ratio for dropping full coverage?
- Am I covered if I hit a deer?
- Should I buy additional glass protection?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Minnesota auto insurance companies
Picking a highly-rated insurer can be challenging considering how many companies there are to choose from in Minneapolis. The company rank data shown below can help you choose which car insurance providers you want to consider putting your business with.
Top 10 Minneapolis Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Minneapolis Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- Mercury Insurance
One last thing about your coverage
When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best cost, not the least amount of coverage.
More affordable insurance in Minneapolis can be found on the web and from local agencies, so get free Minneapolis car insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not offer internet price quotes and most of the time these smaller companies work with independent insurance agencies.
We just presented a lot of tips how to compare Buick Rendezvous insurance premium rates in Minneapolis. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with an unexpected company. Smaller companies can often provide lower prices in certain areas than their larger competitors like GEICO and State Farm.
How to find low-cost rates for Buick Rendezvous insurance in Minneapolis
It takes a little time, but the best way to find low-cost prices for Buick Rendezvous insurance is to compare prices regularly from insurers who provide car insurance in Minneapolis. Rates can be compared by completing these steps.
- Step 1: Try to comprehend policy coverages and the steps you can take to drop your rates. Many rating criteria that drive up the price like traffic violations, accidents, and a bad credit score can be remedied by being financially responsible and driving safely.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can quote prices from multiple companies. View insurance agents
- Step 3: Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find better rates, ensure there is no coverage lapse between policies.
- Step 4: Give notification to your current company of your intention to cancel the current policy and submit the completed application along with a down payment to the new insurer. Once the paperwork is finalized, keep your new certificate verifying proof of insurance along with your vehicle registration.
A good piece of advice is that you use the same level of coverage on every price quote and to quote with as many car insurance companies as possible. This guarantees the most accurate price comparison and a thorough price selection.
For more information, feel free to browse these articles:
- Vehicle Safety Ratings (iihs.org)
- Who Has Cheap Auto Insurance for a Toyota Highlander in Minneapolis? (FAQ)
- Who Has Affordable Auto Insurance for a Ford F-150 in Minneapolis? (FAQ)
- How Much is Minneapolis Car Insurance for Drivers Under 21? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Camry in Minneapolis? (FAQ)
- Safety Features for Your New Car (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What to do at the Scene of an Accident (Insurance Information Institute)