Parsecurity is a leader in Commercial Security Systems in Minnesota. We provide door access, alarm & camera system services, including 24×7 monitoring
The minimum amount of no-fault coverage every driver in Minnesota has to have is $40,000. The entire amount isn't dedicated to injuries though. Half would be used to pay for any injuries sustained in an accident with an uninsured driver, while the remainder would go to paying for any damage that may be done to your car. For most individuals, this coverage isn't adequate and they decide to purchase more. Getting all the coverage you need at an affordable price can be challenging, but it can be done.
Effective ways that anyone can reduce their car insurance costs include:
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oDriving a sedan. Sports cars and many SUVs cost more to insure because they pose more of a risk to insurance companies. If you drive a sedan you are likely going to see lower premiums as your car is less likely to be stolen.
oRaising your deductible. The initial quote you are given for car insurance is based on a deductible that is chosen by the car insurance company. If you ask them to raise that deductible, you'll see your rates dip.
oInstalling a security system. Some insurance companies in the state of Minnesota offer a 5% reduction on the cost of the policy for clients who have a car alarm installed. It's important to ask your insurance agent if this discount is available to you before you invest in the security system. Also, be prepared to show proof in the form of an invoice or installation order.
Even though Minnesota boasts the 13th lowest homeowner's insurance rates in the country, residents there still want to find the most affordable deal possible. Shopping around for rates is a great first step but there are other ways to improve your chances of saving money on homeowner's insurance, including:
oInstalling smoke alarms and fire extinguishers in your home and garage. Insurance companies appreciate clients who take safety precautions and will often offer a percentage discount if these items are in the home.
oInstalling a home security system. This is viewed as a positive by insurance companies as well. You will likely have to show proof of the system by way of an installation or monitoring agreement.
oInstalling dead bolt locks. Many people don't have secure locks on their doors. This makes it easier for thieves to break in without anyone noticing them. Installing strong locks on all outer doors may lower insurance costs depending on the company.
oMaintain a good credit rating. Your credit history has a direct impact on your homeowner insurance premiums. Pay all your bills on time and you'll likely pay less for all your insurance policies.
oPay once a year. Some homeowner's insurance companies recognize the need for budget conscious clients to pay monthly as opposed to a lump sum once a year. In an effort to help these clients, they may allow the customer the opportunity to pay their yearly payment in twelve smaller payments. This typically means service charges which just increases the overall cost of the policy. Paying once a year is the cheapest route.