Do you want to learn how to find lower-priced auto insurance rates in Plymouth, MN? Plymouth shoppers have many options when shopping for the lowest priced car insurance. You can either spend your time struggling with agents to compare prices or utilize the internet to make rate comparisons. There are more efficient ways to shop for auto insurance and we'll show you the best way to compare rates for a new or used and obtain the lowest possible price from both online companies and Plymouth agents.

It's a good habit to shop coverage around once or twice a year because prices are rarely the same from one policy term to another. Just because you had the lowest quotes on auto insurance a couple years back you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to quote online to find better coverage on auto insurance at a better price.

If you are already insured or just want a better rate, you can learn to find better prices while maintaining coverages. Our objective in writing this article is to teach you how to compare rates easily. Consumers just need to understand the best way to compare rate quotes using one simple form.

Many insurance companies such as Allstate and Progressive allow consumers to get prices online. Getting quotes is quite easy as you just type in your coverage information into the form. After you submit the form the system pulls your driving record and credit report and returns a price quote based on the information you submitted.

This makes it easy to compare insurance prices and it's necessary to do this if you want to get the most affordable premium possible.

In order to find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this assures you will have an apples-to-apples comparison for similar insurance coverage.

The companies in the list below provide price quotes in Minnesota. If more than one company is shown, we recommend you visit as many as you can in order to find the cheapest rates.

Insurance Price Estimates for Popular Vehicles in Plymouth
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $1,086 $543 $91
Chevrolet Silverado LT Extended Cab 4WD $1,128 $564 $94
Dodge Ram Quad Cab Sport 4WD $982 $491 $82
Ford Escape Limited 4WD $914 $457 $76
Ford F-150 Lariat Crew Cab Platinum 4WD $1,108 $554 $92
Ford Focus S 4-Dr Sedan $934 $467 $78
Ford Fusion Sport AWD 4-Dr Sedan $1,112 $556 $93
Honda Accord LX-P 4-Dr Sedan $1,062 $531 $89
Honda CR-V EX 4WD $824 $412 $69
Honda Civic LX 4-Dr Sedan $992 $496 $83
Hyundai Elantra Blue 4-Dr Sedan $902 $451 $75
Jeep Wrangler Rubicon 4WD 2-Dr $1,140 $570 $95
Nissan Altima 2.5 S 2-Dr Coupe $1,104 $552 $92
Nissan Rogue S 2WD $894 $447 $75
Toyota Camry LE $1,046 $523 $87
Toyota Corolla XRS $808 $404 $67
Toyota RAV4 Limited 4WD $836 $418 $70
Volkswagen Jetta SEL 4-Dr Sedan $1,228 $614 $102
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can increase or decrease premiums significantly.

Auto insurance rates by age and gender

The example below shows the difference between insurance prices for male and female drivers in Plymouth. Data assumes no claims or violations, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied on a GMC Acadia SLE.

GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Drive safe and save

The information below illustrates how violations and accidents drive up Toyota Corolla premium costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage?

The diagram below illustrates the difference between Kia Optima yearly insurance costs when comparing full coverage to state minimum liability only. The data assumes no claims or violations, $500 deductibles, married female driver, and no other discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you pay for full coverage?

There is no set rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's assume your Kia Optima claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after you pay the deductible. If premium cost is more than $800 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Everyone needs different car insurance coverages

When it comes to choosing your policy, there really is not a one-size-fits-all type of policy. Everyone's situation is unique.Drive safe and save

These are some specific questions can aid in determining whether your personal situation could use an agent's help.

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.