Beulah Auto Insurance Buying Tips You Aren’t Supposed to Know

Are you overwhelmed by the dozens of auto insurance choices in Beulah? Many other drivers are as well. Drivers have so many choices that it can be a real hassle to find the perfect company for you.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Pricing the best protection in Beulah is simple if you know the tricks. North Dakota drivers only need to know the tricks to compare company rates on the web.

Comprehensive Beulah Auto Insurance Comparison Quotes

Performing a rate comparison can take hours if you don’t utilize the most efficient way to do it. You can spend countless hours driving to insurance companies in Beulah, or you can utilize online quotes to get the quickest rates.

The majority of car insurance companies belong to a marketplace where prospective buyers submit one quote, and every company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is that you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we have a listing of companies who write auto insurance in North Dakota. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages and limits with every price quote. If you compare mixed coverages it’s impossible to determine the best price in Beulah.

Are you falling for claims of savings?

North Dakota consumers can’t ignore all the ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the companies make the same claim that you’ll save big if you move your coverage to them.

How can each company make almost identical claims?

Different companies are able to cherry pick for the driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any driver who matches those parameters will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Drivers who don’t qualify for these standards will be quoted a more expensive rate and ends up with business not being written. The ads say “customers that switch” not “people who quote” save that kind of money. That’s the way companies can truthfully advertise the savings. This emphasizes why drivers should get as many comparisons as possible. It’s just too difficult to predict the company that will give you the biggest savings.

Don’t miss out on these money-saving discounts

Companies offering auto insurance do not list every discount very well, so we break down both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need money image

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • College Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Club Memberships – Being a member of a qualifying organization may earn a discount on auto insurance.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

Quote online but still have a local agent

Certain consumers prefer to get advice from a local agent and that is OK! Good agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rates online is you can get lower rates and still have an agent to talk to.

By using this simple form, the quote information gets sent to insurance agents in Beulah who will give you bids to get your business. There is no reason to drive around because quoted prices will be sent straight to your inbox. How’s that for easy!

Picking an insurer should depend on more than just a low price. Here are some questions to ask:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How long have they worked with personal auto insurance coverage?
  • Do they review policy coverages at every renewal?
  • Which insurance companies are they affiliated with?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Are they properly licensed to sell insurance in North Dakota?

Captive or Independent: There is a difference

When searching for a good Beulah insurance agent, there are a couple of types of insurance agents from which to choose. Agents are categorized either captive or independent (non-captive). While both can write coverage properly, but it’s worth mentioning the difference between them since it can impact your agent selection.

Captive Agents

Captive agencies have only one company to place business with and some examples include American Family, State Farm and Allstate. Captives cannot place coverage with different providers so always compare other rates. Captive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Below is a list of captive insurance agents in Beulah willing to provide price quote information.

  • State Farm Insurance – 106 E Main St – Beulah, ND 58523 – (701) 873-5314
Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, you should always get quotes from at least one independent agent to have the most options to choose from. They also have the ability to place coverage with smaller companies which can be an advantage.

Shown below is a list of independent insurance agents in Beulah that can give you comparison quotes.

  • Gary Miller Agency Inc – 701 Highway 49 N – Beulah, ND 58523 – (701) 873-5911
  • Benz Insurance – 115 E Main St – Beulah, ND 58523 – (701) 873-5124
  • Beckers Insurance – 1720 Highway 49 N – Beulah, ND 58523 – (701) 873-4444

To view a complete directory of auto insurance agents in Beulah, please go to this site.

Once you have positive feedback and an acceptable price quote, you have narrowed it down to an insurance agent that will properly service your auto insurance policy.

You may need specialized coverage

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

Beulah insurance comparisons

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are split liability limits better than a combined single limit?
  • Do I really need UM/UIM coverage?
  • Is North Dakota a no-fault state?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving a rental car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Even more information can be found at the North Dakota Insurance Department website. Visitors are able to learn about insurance regulations, report car insurance fraud, discover disciplinary actions, and get help finding coverage.

One last thing about your coverage

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund or being labeled a high risk driver. Regardless of your reason for switching companies, switching auto insurance companies can be pretty painless.

We just showed you many ideas to save on auto insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with some of the lesser-known companies.

Lower-priced auto insurance can be sourced online and with local Beulah insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.