UPDATED: Mar 13, 2020
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Cheap Car Insurance in Duluth, MN
Are you in need of cheap auto insurance in Duluth, MN? From AutoInsuranceEZ.com, you could find the best insurance rates close to you. To find free car insurance quotes offered by the very best providers today, input your zipcode in the quote box here.
Duluth, Minnesota is famous for both geography and trade. Located along the Great Lakes, this northern port has become an essential spot for commercial and industrial shipping needs. Additionally, the hilly countryside is well known for the “Skyline Parkway”, a 30-mile stretch of architectural wonder.
- Fun fact: Get ready for a fun night on the town, because Duluth is #55 on the list of “Top 100 cities with strongest arts, entertainment, recreation, accommodation and food services industries (pop. 50,000+)”! Learn more about Duluth, MN.
Auto Insurance Coverage Requirements in Minnesota
Driving legally in Duluth requires:
|Bodily Injury Liability||30,000/60,000||100,000/300,000|
|Property Damage Liability||10,000||100,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Personal Injury Protection||40,000||40,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
Minnesota does what most states don’t: require you to purchase Uninsured Motorist and Medical Payments coverage. But think about what those two requirements are protecting you from; if you are ever hurt in an accident by an uninsured motorist, you won’t have to pay thousands of dollars in medical bills.
In Minnesota right now, the average monthly payment for automotive insurance is around $113. But did you know that Duluth drivers can get that lowered to around $40/mo*? It’s true – and we can show you how.
Farmers, State Farm, and Allied all really want to increase their business in Duluth, because they’re offering some of the lowest rates you’ll find in your city. But if you are thinking about switching, make sure you do your due diligence. Find out if they have solid customer service, or if all they’re offering is a low monthly premium.
Auto insurance providers consider many elements when determining insurance prices, especially gender, accident claims, type of vehicle owned, years of driving experience, and current insurance coverage and limits. In addition, premiums vary from one company to another. To verify you’re still paying the most affordable rate, assess cheap Duluth auto insurance premiums over the internet.
Major Car Insurance Factors in Duluth
Once your automobile insurance provider prepares to come up with your policy, they take several specifics into account. Some of these, for instance how old you are or maybe your specific locale, usually are unfeasible to alter. Some other factors are:
Your Zip Code
Your auto insurance rates can vary based on the spot where you live. Usually, populous cities possess greater car insurance rates because the extra number of car owners on the streets raises the probability of a car accident! The total population of Duluth amounts to 86,128. Plus, the average household income is $42,176.
The rate of fatal accidents in Duluth is quite low, especially when you factor in how many people live and drive in the city. Automobile insurance providers tend to offer lower rates in areas where fewer accidents happen, with no effort required on your part.
Auto Thefts in Duluth
Acquiring low-cost auto insurance can be difficult if you’re vulnerable to auto theft. Specific common automobile models usually are attractive to thieves, in addition to vehicles that are left often in big urban centers. The full number of stolen cars in Duluth was 156 back in the year 2013, which reflects a slow decline from previous years. If you aren’t too worried about auto theft, you could save monthly by raising your Comprehensive coverage deductible (more on that later).
Your Credit Score
If you already have an excellent credit score, then you have nothing to worry about; you’re probably already getting a lower rate than most other drivers. But for those who have less than perfect credit, your costs will, unfortunately, be higher.
Sadly, the younger the driver, the more likely they are to get into an accident. Being a safe driver takes time and experience, and older drivers are rewarded for this in the form of insurance discounts. But younger individuals should look into Driver’s Ed and Good Student discounts, too.
Your Driving Record
Serious violations (like DUIs) will significantly raise your rates, if your coverage isn’t dropped altogether. However, minor tickets can be costly, too. But some providers have started offering Accident Forgiveness discounts for drivers with a less than perfect record.
It isn’t automatically more expensive to buy insurance for a luxury vehicle – but when you add all the different types of coverage that you will need, and purchase them in high enough amounts to cover the cost of your vehicle, that is when things start getting expensive.
Minor Car Insurance Factors in Duluth
Don’t worry, there are other factors you can adjust to change your monthly premium:
Your Marital Status
Married couples often bundle their vehicle insurance policies together to take advantage of the savings that companies offer for this practice. You can also bundle insurance policies for RVs, motor cycles, or even homeowner’s insurance.
Most providers these days don’t even bother charging different rates based on gender alone. For those that do, it might make a 2-3% difference in premiums, if that. And whether it’s men or women who pay more will vary between providers.
Your Driving Distance to Work
Residents in Duluth enjoy a delightfully short commute time, which might be as short as 10 – or as long as 23 – minutes each trip. Just over three-quarters of motorists will drive their own car to work each day, whereas between 4-18% will carpool with a coworker. Less than 5% will take the bus.
If at all possible, make sure you insure your vehicle for personal use, because business vehicles are at least 10% more expensive to cover. And if you think reducing your miles driven each year will get you big discounts, think again. You’d have to slash your driving by thousands of miles yearly just to get a 3-4% discount.
Your Coverage and Deductibles
The deductible is the amount of money you pay up-front in order for your insurance company to fill out your claim. When your deductible is low, your premiums will go up. But if you raise it, and agree to share more of the financial burden with your insurance company, they will lower your monthly payment.
Education in Duluth, MN
The greatest number of drivers in Duluth have achieved a complete high school education, while just under 20% have gone on to also obtain a college degree. For this latter group, they could also see a reduction in their car insurance rate – even more so than having a nice job or a high annual salary. This is because providers have recently started offering lower premiums to motorists who have and advanced level of education.
The most noteworthy university in Duluth is the University of Minnesota – Duluth, based on its size and scope. Nearly 12,000 students are educated there each year, working on more than 75 different majors. Also, the College of St. Scholastica offers a private option for prospective students, especially in the fields of physical therapy and nursing. But if your education goals are more office-oriented, don’t overlook the Duluth Business University.
Determining your individual financial risk can be very hard or inconceivable for the standard insurance shopper. Insurance companies have got an edge on shoppers due to their research and experiential knowledge. Learn that which insurance companies don’t wish for you to realize.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Compare Auto Insurance Rates in Duluth, Minnesota – See How Much You Can Save