Looking for The Best Auto Insurance Quotes in MN?
If you are just looking to find “auto insurance near me” or maybe bought a car of our dream – new Mustang and would like to get the MN best auto insurance quotes – contact Greg Ganyo Insurance Agency first! We are your local MN independent auto insurance agent (auto insurance broker).
Don’t make the mistake of reducing your coverage or increasing your deductible just to get a better price for car insurance.
There are other ways to reduce your Minnesota auto insurance rates.
Shop for Minnesota auto insurance quotes with an independent auto insurance agent and you will be able to compare among many policies with no extra effort on your part.
Should you choose Glass Payback for your auto insurance? – Be smart and save some money!
Auto insurance quotes are not one-size-fits-all and not all captive auto insurance agents or independent auto insurance broker will weigh your circumstances in the same way. Many factors will influence your final car insurance rate. Some of the factors that affect auto insurance rates may include:
- Gender – Male drivers tend to have higher insurance rates than women.
- Age – Young drivers tend to have higher insurance rates than more seasoned drivers. Adding a 16-year-old driver to your policy is more than likely going to increase your insurance rates.
- Marital Status – If you’ve been thinking about popping the question, here is one more reason to go for it! Married people statistically have fewer accidents than their single counterparts. Insurance companies look favorably upon married couples.
- Place of Residence – There is a joke about a person who learned that most accidents occur within a mile of home…so he moved! While this really isn’t going to help the situation, it is true that most accidents do occur close to home. Therefore, insurance companies analyze information like population density to determine the risk of accidents and theft. Where you live impacts your final auto insurance rates.
- Credit Score – Some insurance companies do take your credit score into consideration when calculating your rate. The better your credit score, the better your rate tends to be.
- Employment Status and Commute – Factors such as what type of job you hold and how far you drive to get there may factor into your car insurance rate. Driving a couple miles down the road to sit at your desk all day is likely going to yield a better rate than someone who drives all over the city to check in at various job sites. The more time you’re on the road, the greater at risk you are for having an accident.
- Type of Vehicle you Own – Vehicles with high safety ratings is going to produce lower premiums. Likewise, larger vehicles are generally viewed as safer than smaller sporty vehicles. While on the subject of sporty vehicles…some cars are more prone to theft than other vehicles. The top ten most stolen vehicles list changes slightly each year. If you’re curious to see whether your car is on the top ten list do a quick internet search.
- Driving History – Accidents, tickets, and previous claims will all affect your rate. In some instances, you will not be able to be insured at all with companies that have very high standards. If you have a less than perfect driving record it is definitely important to seek guidance from an independent agency. We can explore a wide variety of companies so you can make a choice among options.
Paying for car insurance is a major portion of the overall expense of owning a car. Therefore it is of tremendous benefit to seek assistance from an independent insurance broker. The Greg Ganyo Insurance Agency has the ability to see what all your options are and help you make an informed choice.