If you live in Minnesota and you've been cited for speeding you're likely going to feel a pinch when it comes to your car insurance premiums.
Insurance companies in Minnesota are permitted by law to attach surcharges to auto insurance premiums for high risk drivers.
As long as they present you with a Surcharge Disclosure Sheet they can charge a fee to offset the risk you present to them.
For someone facing this situation, finding low cost car insurance in Minnesota may seem impossible.
It's not; it's simply a matter of knowing how to compare policies to find the best deal.
For drivers who do have several speeding tickets to their name, they should seriously consider driving an older vehicle until they can improve their driving history.
When you ask for quotes for an older vehicle, you'll likely find lower rates being offered than if you were driving a late model car.
Any car that is more than a few years old doesn't need collision or comprehensive coverage.
Policies without this type of coverage included are generally remarkably cheaper than those that offer full coverage.
Some car insurance companies will also offer discounts to individuals who only use their vehicles occasionally.
For someone facing high premiums because of a challenging driving past, taking advantage of a low mileage discount can result in saved money.
When shopping for quotes, ask each agent if they have a discount for drivers who spend less time behind the wheel.
Then compare the cost of each policy to determine which is best suited to the amount you do drive.
Also ensure you gather new quotes each time your policy is due for renewal.
If you are more aware of the speed limit and you don't receive any additional citations, your insurance costs will drop.
Each year that passes in which you have a clean driving record ensures a cheaper price for you in the future.
Although you can't change the past, you can certainly do a better job of adhering to traffic laws from today forward.