Follow These Proven Ways for Cheaper Bottineau, ND Car Insurance
No one in their right mind looks forward to buying car insurance, especially when the cost is too high. Big companies like Progressive, GEICO and Farmers Insurance all claim big savings with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. Buying car insurance in Bottineau is easy if you know what you’re doing. North Dakota drivers only need an understanding of how to compare prices online.
Take discounts and save
Auto insurance companies don’t list every discount very well, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit possible, you are throwing money away.
- Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Claim Free – Good drivers with no accidents pay less when compared with drivers who are more careless.
- Lower Rates for Military – Being deployed with a military unit could mean lower rates.
- Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accident claims.
- Drive Less and Save – Fewer annual miles can earn better rates on cars that stay parked.
- Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
- Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.
To see a list of companies offering car insurance discounts in North Dakota, follow this link.
Even more information is located at the North Dakota Insurance Department website. Consumers can file complaints about a company, download brochures, find a variety of consumer forms, and find out which companies have the most complaints.
Other useful links include QuoteClickInsure.com and CarInsuranceDIY.com.
Quote often and quote early
Discount car insurance is available on the web in addition to many Bottineau insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
When you buy insurance online, never skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.