Having an auto insurance policy tailored to fit your needs is vital for ensuring you have the coverage you need without paying for insurance you don't. Unfortunately, many drivers simply choose an insurer and stay with them until something happens, which is when they find out their policy isn't right or them. Daniel Oliver – Farmers Insurance Agent in Minneapolis, MN, has some tips for making sure you've got the ideal auto insurance policy for your needs.

This experienced auto insurance agent recommends keeping the following factors in mind:

• Periodic Comparison Shopping: Your insurance needs change, even if your car remains the same. It’s a good idea to shop around at least once a year to make sure you're still getting the right price. Sometimes, you may be able to get a lower deductible or more coverage for a better price.
• Adjusting Your Coverage: Check your coverage limits to make sure you have enough to cover your vehicle while avoiding more than you need. To lower your premium, try lowering your deductible and coverage limits.
• Checking Additional Coverage: If you're still making payments on your car, the insurer will likely require you to carry comprehensive and collision coverage. However, you may still want to purchase additional insurance even if you've finished paying it off. Alternatively, if your vehicle has a relatively low value, you may not need the additional coverage.
• Meeting With An Insurance Agent: A local auto insurance agent will understand the specific needs for your state. Because of this, they’ll be able to provide customized solutions no online shopping tool can match.

Daniel Oliver – Farmers Insurance Agent has the expertise to ensure you get the ideal insurance policy for your needs. Whether you're looking for an auto insurance policy or want to review your life insurance, visit his website or call (952) 925-4454 to schedule an appointment.