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Every insurance company claims that they have the lowest rates in town, but obviously, that can not be true. The only way that would happen is if there was a law that mandated that all insurance companies had to charge the same rates. In order for you to have confidence that you are really getting the lowest rate when you buy a policy in Albertville, MN, you need to get insurance quotes from a number of different providers.
You can not expect to get really cheap rates on a car insurance policy if you are categorized as a high-risk driver. The best you can hope for is to find a carrier that will not charge you an incredibly high premium because of some blemishes on your driving record. There are companies that cater to high-risk drivers and they are willing to charge less than other insurers in order to attract more business. If you have received points on your license, been involved in a recent at-fault accident, or had other transgressions on your driving record, getting multiple insurance quotes can save you a good deal of money.
Even if you have a spotless driving record and have never filed an insurance claim since you first got behind the wheel, the premium you are charged can be quite different, depending on the car insurance company you choose. Each insurer has their own way of assessing risk and calculating rates. Where one company may charge young drivers a higher rate than older drivers, another company may give discounts to members of the military.
Independent agents have a good idea of which auto insurance carriers offer the cheapest rates because that is their business. While they always get quotes, their experience and knowledge of the current market, is reassuring to clients who want the cheapest rates for the coverage they need.