How to Save on Car Insurance in White Bear Lake, MN?

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The average cost of car insurance in White Bear Lake, MN, is $1,313. This cost is lower than most of the nearby locations like Mahtomedi, Gem Lake, Willernie, Dellwood, and White Bear. Car owners in White Bear Lake, MN, can save more on their car insurance costs by considering various factors like location, age of the driver, and deductibles. Some of these major factors are explored below in detail by Zimlon.

Age of the Driver:

Car owners in White Bear Lake, MN, can save on the cost of car insurance and get various discounts by comparing multiple age of the driver-based policies offered by different insurance companies. Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs in White Bear Lake, MN, than older drivers as insurance companies consider them as less responsible drivers. Below is a list by Zimlon highlighting the average cost of car insurance for different age groups in White Bear Lake, MN.

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Deductibles:

This is one of the most common factors influencing the cost of car insurance in White Bear Lake, MN. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. Zimlon’s research found that in White Bear Lake, MN, the average cost of auto insurance on a deductible of $500 is $1,240. This cost will decrease to  $1,047 when the deductible is $1,000.

Multi-Car Insurance: 

Auto Insurance companies in White Bear Lake, MN, offer attractive discounts on multi-car insurance policies and bundling. Car owners in White Bear Lake, MN, can save more on car insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s analysis, by insuring two cars together, residents of White Bear Lake, MN, can save $368. Insuring three or four cars with the same insurer can also help to save $551 and $735 respectively in Easton, MA.

Anti-Theft Feature:

Cars equipped with safety devices are less prone to thefts therefore, auto insurance companies in White Bear Lake, MN, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in White Bear Lake, MN, can get car insurance for $1,260 by installing safety devices like an audible alarm and active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce the cost of car insurance to $1,234 and $1,221 respectively. 

Credit Score: 

Car owners in White Bear Lake, MN, can save on car insurance by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that in White Bear Lake, MN, car owners with a “good” credit score of 670-739 will have to pay $1,368, Whereas, for a “poor” credit score of 300-579 cost of car insurance can get as high as $2,142.