Although many independent reviewers have compared life in Eden Prairie to life in the actual garden of Eden -- witness Money Magazine's 2010 evaluation that Eden Prairie was the best place to live in all of America -- local residents and business owners realize that risks and hazards abound even in this glorious town, and they seek quality Eden Prairie insurance quotes to manage those risks. Whether you are an operational executive at C.H. Robinson Worldwide, a local distributor who clocks hundreds of miles every week on roads like US 212, State Highway 5, and I-494, or a high school student who hangs out with friends at Purgatory Creek Park, you are looking for a method to improve your Eden Prairie insurance coverage without bloating your budget and without sacrificing quality.
This may seem like an impossible task -- like trying to get something for nothing -- but if you invest your resources in a strategically focused manner, you can indeed almost certainly improve on both ends. After all, it's almost impossible to "lock into" the optimal coverage for health, life, business, or auto insurance; so any amount of effort you put into chiseling down your Eden Prairie insurance policies should yield results, provided that you do so in a strategic manner.
Working Backwards from Auto and Homeowner Statistics
Before we talk more about strategy, let's look at some hard data. In 2007, the National Association of Insurance Commissioners looked at every state in the union and came up with average expenditures for homeowners, auto insurance, and other kinds of coverage. In Minnesota, the NAIC found that drivers paid an average of $721 -- $74 less than what the average US driver paid for auto. With respect to HO-3 policy packages (the most common kind of homeowners' insurance), Minnesotans again beat the average -- paying $800, which was $22 less than the US average.
And given Eden Prairie's extremely high standard of living and high "Money Magazine" ratings, you might think that your auto and homeowners' insurance might be even lower than these averages. But you have to be careful. Numbers are just numbers and averages are just averages. Insurers will take into account your zip code and the address where you garage your car, for instance. But they will also look at how many miles you drive every month, whether you own a dangerous dog, like a pit bull who once bit a neighborhood child, and so on. You can't possibly take into account all factors relevant to your Eden Prairie insurance quotes in advance. And if you try to do so, you will likely just spin your wheels and make yourself crazed.
So what do you do? One methodology involves figuring out your best case coverage scenarios and then utilizing an array of resources to make those coverages happen. This way, you are not sourcing discounts willy-nilly. You are making sure that you get exactly the coverage you need and no more. And you will be surprised by how many discount opportunities you will discover once you start really thinking strategically. For instance, if you are a homeowner, you might uncover great discounts just for putting in a burglar alarm system, removing a trampoline from your backyard, and writing your car and homeowners policy through the same carrier.
An Easy Way to Identify Eden Prairie Insurance Quotes
As part of your strategic battle plan, you need to collect good information from reliable sources. NetQuote is an online aggregator service -- free and simple to use. Use our online quote form right now to drum up 5+ Eden Prairie insurance quotes to inform your policy shopping and to relieve some of the stress and complexity of your planning.