Auto Insurance in St. Louis Park, MN
If you’re just starting your search for car insurance, looking to switch to a different auto insurance company or looking for a low car insurance rate, you’ve come to the right place! By working with us to shop for lower car insurance rates, it is possible to save hundreds on your auto insurance; especially if you’re looking to bundle your insurance with your home or specialty product.
The Best Car Insurance Rates from an Independent Agent
We don’t stop at just saving you money on car insurance with a low auto insurance rate; you’ll also get unparalleled support from Variant Insurance Group. Our agents are licensed professionals who know the secrets to getting a great rate and the best coverage available. We’ve spent countless hours working to save our client’s money. You can only expect to get this kind of service and low car insurance rates from one place: Variant Insurance Group.
Fast Car Insurance Quotes
It is easy to become overwhelmed by all the auto insurance choices. Don’t fret. At Variant Insurance Group, we’re able to quote multiple insurance carriers in about 10 minutes! We’ll help you find the auto insurance you need at a terrific rate you can afford. With a quote from our agency, you can get car insurance rate comparisons, money-saving tips, discounts, flexible payment options and more. So stop shopping around and get the car insurance rate you’re looking for. We’re here to help!
Separating Myth From Fact for Auto Insurance
When it comes to purchasing auto insurance there are many myths that exist. Let’s take a closer look at some of these myths and help you understand why they may not be true.
Auto Insurance Is More Expensive For Men
If you have two individuals of the same age who live in the same town, one male and the other female, it is not true that the male will pay more for his insurance. In fact, there are many variables that come into play when an insurance company determines premium. Some of those are:
- Garaging Zip Code
- Driving history
- Credit report
- Loss history
- Education level
- Type of vehicle
- And many more!
To find out what your premium might be, the only way is to get a quote. Compare companies and coverage options that you need by talking to an independent agent. We can compare many companies side by side.
Older Cars Cost Less To Insure
Not true. For instance, your personal injury protection will likely be less on a newer vehicle because it is equipped with more safety features to aid you in the event of an accident – meaning you’re more likely to be injured in an older vehicle without airbags for example. However, insurance costs for comprehensive and collision coverage do tend to go down the older a vehicle gets because it is simply worth less money.
If someone borrows your car, they are responsible for the insurance.
In most states, insurance follows the vehicle. It is called “permissive use.” If you give someone permission to drive your vehicle, you’re also essentially giving them permission to use your insurance. Now, be careful here because if someone is in your household and not listed on your insurance policy and has regular access and use to your vehicle, you may find yourself in a tricky claims situation because that person should be listed on your insurance policy.
I have an auto insurance policy so it will cover me when I’m delivering food or working for a rideshare company.
If your job requires you to deliver food using your own vehicle or you work part time as an Uber or Lyft driver, you need a special insurance policy. Typically an endorsement to your regular auto insurance, this provides coverage for you while you’re using your vehicle for work related purposes.
Your friend pays less for their insurance than you do so that means you’re paying too much.
Insurance is specific to the driver, their history, vehicle, garaging zip code, usage and so many other factors. There are hundreds of different scenarios that can be calculated to determine your auto insurance premiums. Just because your friend pays less for a similar car, does not mean you’re overpaying.
If you ever want to know if you’re paying too much or want to know all your options for auto insurance, call us! As an independent insurance agency, we have many choices for insurance. Oftentimes we can share with you the insurance premiums of up to 10 different insurance companies in the same time it takes to do a single quote. Trust us to find you the best rates and service for your specific situation. We can also help you dispel other myths that exist with insurance premiums.