Lower Red Lake, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lower Red Lake, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Lower Red Lake, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Lower Red Lake, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lower Red Lake, MN with that of other cities in and around Lower Red Lake.

	Lower Red Lake	Red Lake	Redby	Ponemah	Beltrami County	Alaska
Average Insurance Rates	$1,998	$2,008	$1,968	$2,079	$1,279	$1,662

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Lower Red Lake, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lower Red Lake, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Lower Red Lake	$1,283	$1,084
Beltrami County	$1,673	$1,413
Red Lake	$1,431	$1,208
Redby	$1,102	$931
Little Rock	$1,217	$1,028
Alaska	$1,557	$1,315
Nebish	$1,656	$1,399
Ponemah	$2,141	$1,809

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Lower Red Lake, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lower Red Lake, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$6,483
20 Years	$2,567
30 Years	$1,977
40 Years	$1,902
50 Years	$1,762
60 Years	$1,786
70 Years	$2,079

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Lower Red Lake, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lower Red Lake, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$3,397	$599
3 Vehicles	$5,095	$899
4 Vehicles	$6,793	$1,199

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Lower Red Lake, MN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lower Red Lake, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Lower Red Lake	$1,998	$3,648
Beltrami County	$1,279	$2,335
Red Lake	$2,008	$3,666
Redby	$1,968	$3,593
Little Rock	$2,093	$3,821
Alaska	$1,662	$3,034
Nebish	$1,658	$3,027
Ponemah	$2,079	$3,796

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Lower Red Lake, MN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,714
Excellent (740-799)	$1,957
Good (670-739)	$2,082
Average (580-669)	$2,716
Poor (300-579)	$3,259

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Lower Red Lake, MN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Jake Bluhm	State Farm	512 Beltrami Ave NW, Bemidji, 56601-3010	218-751-1945
Northern State Agency	None	283 Main Street, Gonvick, 56644	None
First National Agcy Of Bagley	None	124 1St St W, Fosston, 56542	None
American State Agency	None	P O Box 78 , Grygla, 56727	None
Lindfors Agency, Inc.	None	22 Clearwater Ave Nw, Bagley, 56621	None
Security State Agency	None	201 Main St, Oklee, 56742	None
Security Insurance Usa	None	57 Main St N, Blackduck, 56630	None
First State Financial Services	Travelers	PO BOX 27, CLEARBROOK, 56634	218-776-3161

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Lower Red Lake, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$88	$2,086
Driver's Failure In Showing Documents	+$194	$2,192
Driving With An Expired Registration	+$206	$2,204
Driving At A Considerably Slow Pace	+$434	$2,432
Using A Cellphone While Driving	+$458	$2,456
Running A Red Light	+$466	$2,464
Speeding	+$490	$2,488
Driving A Vehicle Without The Required Permission	+$621	$2,619
Driving With An Expired/Suspended License	+$1,347	$3,345

Lower Red Lake, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,918
Active Disabling Device	$1,918
Tracking Device	$1,878
Passive Disabling Device	$1,858

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