Never Compare Grafton Car Insurance Without Knowing These Money Saving Tricks

Are you a victim of high-priced car insurance? Believe me, many Grafton consumers feel financially strained by their car insurance policy. With so many choices of insurance companies, it is very difficult to find the lowest cost provider.

Consumers need to do rate comparisons at least once a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates a few years ago you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because you’re going to learn the only way to find lower rates on car insurance.

Compare the Market for Car Insurance in Grafton

Most companies give coverage price quotes directly from their websites. The process doesn’t take much effort as you simply type in into a form. After you submit the form their rating system collects your driving record and credit report and generates a price. Online quotes makes comparing rates easy, but the work required to visit several different sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to perform this step if you are searching for better prices.

Rate comparisons made easy

The preferred way to lower your rates uses one simple form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is quoted and you are able to buy your choice of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. This guarantees you will receive a fair comparison for the exact same coverage.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically when you complete an application, but some must be specifically requested before you will receive the discount. If they aren’t giving you every credit available, you are throwing money away.

  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less than their less cautious counterparts.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Memberships – Affiliation with certain professional organizations may earn a discount on your policy.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

To choose providers offering car insurance discounts in Grafton, follow this link.

Won’t my local insurance agent miss me?

Certain consumers just want to get advice from a local agent and that is just fine! Good agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is you can get the best rates but still work with a licensed agent. And supporting small agencies is definitely important in Grafton.

By using this quick form, your coverage information is instantly submitted to local insurance agents in Grafton who will compete for your business. You never need to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier!

Is a captive or independent car insurance agent right for you?

When finding a reliable agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Grafton are either captive or independent (non-captive). Either one can write coverage properly, but it’s important to know the differences since it can impact buying decisions.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, we recommend you contact at a minimum one independent agency to have the most options to choose from.

The following is a list of independent agencies in Grafton that may be able to provide competitive price quotes.

Nodak Mutual Insurance – Highway 17 W – Grafton, ND 58237 – (701) 352-2758
Nodak Mutual Insurance – 860 W 12th St – Grafton, ND 58237 – (701) 352-1050

Captive Insurance Agents

Captive agents can only write with one company such as State Farm, AAA and Liberty Mutual. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captive agents are well schooled in insurance sales which helps them compete with independent agents.

Listed below are captive agents in Grafton that are able to give comparison quotes.

American Family Insurance – 540 W 12th St – Grafton, ND 58237 – (701) 352-3320
Farm Bureau Nodak Mutual Ins – Highway 17 W – Grafton, ND 58237 – (701) 352-1050

For a full directory of captive insurance agents in Grafton, please go to this site.

Deciding on an insurance agent should depend on more than just the bottom line cost. Here are some questions to ask:

insurance quote Grafton

  • Do they specialize in personal lines coverage?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How long have they worked with personal auto insurance coverage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • What insurance companies do they work with?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving satisfactory answers to all your questions and a low price estimate, most likely you have located a car insurance agent that will properly insure your vehicles.

Everyone needs different coverages

When choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Why is insurance for a teen driver so high in Grafton?
  • When would I need additional glass coverage?
  • Do no-fault laws apply in North Dakota?
  • Which companies will insure high-risk drivers?
  • How high should my uninsured/underinsured coverage be in North Dakota?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover my expensive audio equipment?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Why your price might be higher

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • Your age impacts your rates – Teen drivers in North Dakota tend to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Poor driving leads to higher costs – A bad driving record has a huge affect on how much you pay. Even one citation can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • More miles equals more premium – Driving more miles in a year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Cars used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Never go without insurance – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with the North Dakota motor vehicle department.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are willing to pay before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The higher the amount you’re willing to pay, the lower your rates will be.

In Summary

When you buy insurance online, you should never buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Discount car insurance can be found on the web and with local Grafton insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Much more information about car insurance in North Dakota can be found on the website for the North Dakota Insurance Department through this link. North Dakota consumers can read industry bulletins, view agent and company licensing information, and find a variety of consumer forms.