Your car is a valuable investment, so you want to make sure you have all the auto insurance coverage you need; but you also want to make sure you aren't paying too much on your premiums. With all the complexities of the insurance market, many car owners simply pick an insurance company and stick with it, even if that policy isn't the best for them. Daniel Oliver, a registered Farmers Insurance Agent serving the Minneapolis area, has some tips for selecting the right auto insurance policy for your needs:

• You'll get more exact insurance pricing by talking to an agent personally.  A good agent can also make recommendations to make sure you are making good use of your insurance dollar.
• Keep your credit score as high as possible, since your rating can affect your premiums.
• Make sure you have sufficient coverage for bodily injury and damages. These are the areas in which the cheapest policies aren't necessarily the best.
• Choose the right deductible. A higher deductible usually means lower premiums, but it might be worth it if you have a clean driving record with no accidents.
• Choose an insurer with a high rate of customer satisfaction. Not all insurance companies are equal when it comes to filing claims, making payments, and other problems.
• If your driving circumstances change, notify your insurance company. If you're driving less you may qualify for reduced premiums.

For more help getting the best auto insurance available, visit Daniel Oliver, Farmers Insurance Agent online or give him a call at (952) 925-4454 today.