To save the most money, the best way to get affordable Volkswagen Atlas insurance in Minneapolis is to compare prices annually from companies in Minnesota.
Step 1: Read and learn about individual coverages and the steps you can take to keep rates low. Many rating factors that drive up the price like distracted driving and bad credit can be rectified by being financially responsible and driving safely.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel your current car insurance policy. Submit the completed application along with a down payment for your new coverage. Once the paperwork is finalized, safely store the proof of insurance certificate in your vehicle.
The most important part of shopping around is that you use the same coverage limits and deductibles on every quote and and to get price estimates from as many different insurance providers as possible. This provides an apples-to-apples comparison and a complete rate analysis.
Statistics show that a large majority of car insurance policyholders in Minnesota have remained with the same car insurance company for at least the last four years, and 38% of customers have never compared rates with other companies. U.S. drivers could save as much as $850 each year, but most undervalue the benefits if they switched to a cheaper policy.
How to get Minneapolis Volkswagen Atlas insurance rate quotes
When quoting auto insurance, remember that comparing a large number of companies gives you a better chance of getting more affordable insurance. Not every company does rate quotes online, so you also need to get rates from the smaller companies as well.
The car insurance companies shown below offer free quotes in Minneapolis, MN. To locate cheap car insurance in MN, we recommend you click on several of them in order to find the cheapest rates.
Save money with these discounts
The price of auto insurance can be rather high, but you can get discounts that can help lower your rates. A few discounts will automatically apply at quote time, but a few need to be asked about in order for you to get them.
- Responsible Driver Discount – Insureds without accidents could pay up to 40% less compared to accident prone drivers.
- Club Memberships – Participating in certain professional organizations could trigger savings on your bill.
- First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies allow you one accident without the usual rate increase if you have no claims for a set time period.
- Drive Less and Save – Driving fewer miles can qualify you for better premium rates on cars that stay parked.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
- Paper-free Discount – Some of the larger companies give back up to $50 for buying your policy digitally online.
- Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction depending on your insurance provider.
As a sidenote, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
Larger insurance companies and their offered discounts are:
- State Farm includes discounts for anti-theft, multiple policy, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
- Nationwide has savings for accident-free, defensive driving, business or organization, multi-policy, and good student.
- GEICO may offer discounts for defensive driver, daytime running lights, seat belt use, military active duty, federal employee, membership and employees, and five-year accident-free.
- AAA offers premium reductions for good student, multi-policy, AAA membership discount, good driver, pay-in-full, education and occupation, and multi-car.
- 21st Century may include discounts for homeowners, anti-lock brakes, good student, driver training, and air bags.
- The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, bundle, defensive driver, good student, air bag, and driver training.
If you are trying to find low cost Minneapolis auto insurance quotes, ask all the companies which discounts they offer. Some discounts listed above might not be offered on policies in your state. If you would like to view insurance companies who offer insurance discounts in Minneapolis, follow this link.
Insurance just makes sense
Despite the fact that insurance is not cheap in Minneapolis, paying for insurance may be required and benefits you in several ways.
- The majority of states have mandatory insurance requirements which means the state requires a specific minimum amount of liability in order to drive the car legally. 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 Atlas has a lienholder, almost every bank will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Volkswagen at a much higher rate and force you to pay much more than you were paying before.
- Insurance safeguards both your Volkswagen and your personal assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. The average driver in America overpays more than $810 a year so you should quote and compare rates at every renewal to be sure current rates are still competitive.
Tailor your auto insurance coverage to you
When selecting the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions can help discover if your insurance needs might need professional guidance.
- Why is insurance for a teen driver so high in Minneapolis?
- Are split liability limits better than a combined single limit?
- How do I buy GAP insurance?
- If I use my vehicle for business use is it covered?
- What is the premium to book value ratio for dropping full coverage?
- Will my insurance pay for OEM parts?
- What is an umbrella policy?
- Should I bundle my homeowners policy with my auto?
- Is my trailer covered?
- Do I need higher collision deductibles?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Compare rate quotes but buy from a local Minneapolis insurance agent
Some consumers would prefer to talk to a local agent and that is just fine! A nice benefit of getting online price quotes is the fact that you can find the best rates and also buy local.
Once you complete this short form, the quote information is submitted to local insurance agents that can give you free Minneapolis auto insurance quotes for your business. There is no reason to visit any agencies because prices are sent instantly to you. You can find the lowest rates and a licensed agent to work with. If for some reason you want to compare prices from a specific insurance company, feel free to jump over to their website to submit a rate quote request.
Finding the right insurance company should include more criteria than just the quoted price. Any good agent in Minneapolis should know the answers to these questions.
- Are there any discounts for paying up front?
- How will an accident affect your rates?
- What are the financial ratings for the companies they represent?
- How many years have they been established?
- If you are a high risk driver, do they have special markets for your coverage?
- Is insurance their full-time profession?
- Who are their largest clients?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Choose an insurance agent wisely
If you want to buy car insurance from local Minneapolis agents, you need to know there are two different types of agents and how they function. Car insurance agents in Minneapolis are considered either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with and examples are Allstate and State Farm. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are trained well on what they offer which helps offset the inability to provide other markets.
The following is a list of exclusive insurance agencies in Minneapolis that can give you price quotes.
Independent Agents (or Brokers)
These type of agents are not required to write business for one company so they can quote policies with an assortment of companies and get you the best rates possible. If you want to switch companies, an independent agent can move your coverage and you don’t have to switch agencies.
When comparing car insurance prices, you need to compare quotes from a few independent agents to get the most accurate price comparison.
Below is a list of independent insurance agents in Minneapolis willing to provide rate quotes.
A Act One Auto Insurance Agency
2925 Glenhurst Ave – Minneapolis, MN 55416 – (612) 722-8010 – View Map