Expert Advice on Paying Less for Hazen Auto Insurance

Cutting costs on Hazen auto insurance can be a challenge for people who are new to shopping for insurance online. You have so many companies to choose from that it can quickly become a big hassle to find lower rates in Hazen.

Consumers need to do rate comparisons occasionally because insurance rates are adjusted regularly by insurance companies. If you had the best deal a couple years back you may be paying too much now. You can find a lot of misleading information regarding auto insurance online, so I’m going to show you the best ways to put money back in your pocket.

Pricing affordable coverage in Hazen can be fairly easy. If you have a current auto insurance policy or need a new policy, you can use this information to get lower rates while maintaining coverages. North Dakota vehicle owners just need to learn how to shop their coverage around online.

Lower your Hazen Auto Insurance Rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

  • Where you live can impact rates – Being located in a rural area is a positive aspect when buying auto insurance. City drivers have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Performance influences rates – The performance level of the car you drive makes a substantial difference in determining your rates. Small economy passenger models receive the most favorable rates, but other factors influence the final cost greatly.
  • Marriage pays dividends – Having a spouse helps lower the price when buying auto insurance. Having a spouse translates into being more mature than a single person and it’s proven that being married results in fewer claims.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage when a court rules you are at fault for damages from an accident. It provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more you’re willing to pay, the bigger discount you will receive.
  • Where do you drive? – The more miles you rack up on your car in a year’s time the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is rated on how each vehicle is driven.
  • More claims means more premium – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies in North Dakota give discounts to people who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Teen drivers pay high rates – Teen drivers in North Dakota are statistically proven to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.

Free Hazen Auto Insurance Quotes

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste hours driving to agents in Hazen, or you can stay home and use online quotes to get rates in a matter of minutes.

All the larger companies take part in a program where insurance shoppers submit one quote, and each company provides a quote based on that information. This system prevents you from having to do quote forms for each company.

To get comparison pricing now click here to start a free quote.

The only downside to getting quotes like this is you cannot specify which carriers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in North Dakota. View list of North Dakota insurance companies.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages with every price quote. If you enter unequal deductibles or liability limits it will be impossible to make an equal comparison in Hazen.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers in North Dakota get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. All the ads say the same thing about savings after switching to their company.

How can each company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the driver that is profitable for them. An example of a profitable customer might be over the age of 50, insures multiple vehicles, and has great credit. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Consumers who are not a match for this ideal profile will be quoted higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That is how companies can advertise the Hazen ND insurance quote

This emphasizes why you need to get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

Cut your auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but a few need to be requested specifically prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on auto insurance.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Accident Free – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

To choose companies with discount auto insurance rates in Hazen, click this link.

But buying car insurance online seems impersonal

Some consumers just want to get advice from a local agent and that is a personal choice. Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of price shopping on the web is you may find the best rates but also keep your business local. And providing support for small agencies is important especially in Hazen.

To find an agent, once you fill out this short form, your insurance data is immediately sent to insurance agents in Hazen who will return price quotes for your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy!

Best insurance agency in Hazen

When researching a reliable agent, you need to know there are two different agency structures from which to choose. Agents are either independent (non-captive) or captive. Both write coverage properly, but it’s worth learning the difference between them since it can impact buying decisions.

Independent Agents (or Brokers)

Independent agents are not locked into one company but instead can place your coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.

When comparing rates, it’s recommended you include at least one independent agent to ensure the widest selection of prices. Many write coverage with smaller companies which can save you money.

Listed below is a short list of independent agents in Hazen that are able to give price quotes.

  • Lundstrom Insurance – 205 1st Ave NW – Hazen, ND 58545 – (701) 748-3330
  • Northland Insurance – 409 Central Ave – Hazen, ND 58545 – (701) 748-5557
Captive Insurance Agents

Captive agents are contracted to one company and examples are Farmers Insurance or State Farm. These agents are unable to shop your coverage around so keep that in mind. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes buy from captive agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Deciding on a car insurance agent should depend on more than just the premium amount. Here are some questions to ask:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do they feel the quoted coverages are adequate?
  • If they are an independent agency, which companies do they recommend?
  • Are they full-time agents?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Upon receiving acceptable answers to any questions you have and an acceptable price quote, most likely you have located an auto insurance agent that can provide auto insurance coverage.

free Hazen ND insurance quote

Which policy gives me the best coverage?

When choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • When should I drop full coverage on my vehicle?
  • What is the minimum liability in North Dakota?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Do no-fault laws apply in North Dakota?
  • Should I rate my vehicle as pleasure use or commute?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

More information can be read on the North Dakota Insurance Department website through this link. North Dakota drivers can file complaints about an insurance agent or broker, view a list of available companies, read enforcement actions against agents and companies, and find out industry alerts.

A tidy conclusion

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, high rates after DUI convictions, not issuing a premium refund or being labeled a high risk driver. No matter why you want to switch, choosing a new company can be less work than you think.

While you’re price shopping online, do not buy less coverage just to save a little money. In many cases, an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

The cheapest auto insurance is available both online in addition to many Hazen insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these small, regional companies sell through independent agents.