I can’t think of a single person who enjoys paying for car insurance, especially knowing they are paying too much.
There are many car insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more difficult to get the best deal.
You should take the time to shop coverage around at least once a year because prices are rarely the same from one policy term to another. Even if you think you had the best deal on your last policy the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so I’m going to show you some guaranteed methods to reduce your car insurance bill.
To find the best car insurance prices, there are several ways to compare quotes and find the best price. The easiest way to find the lowest rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.
For a list of links to companies insuring cars in Minot, click here.
Which method you use is up to you, but double check that you are using apples-to-apples coverage limits for every company. If each company quotes differing limits it will be very difficult to find the best deal in Minot. Having just a slight variation in limits can mean a large discrepancy in price. Just keep in mind that comparing more company’s prices gives you a better chance of getting better pricing.
An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.
Shown below are some of the factors that factor into rates.
Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known car insurance savings.
Drivers should understand that most discount credits are not given the the whole policy. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.
To see a list of providers who offer car insurance discounts in North Dakota, click this link.
When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if your situation could use an agent’s help.
If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Some consumers just want to visit with an insurance agent and that is just fine! The best thing about price shopping on the web is you can get lower rates and still have an agent to talk to.
By using this simple form, your insurance coverage information is instantly submitted to local insurance agents in Minot who will battle for your insurance coverage. You never need to even leave your home as quotes are delivered immediately to your email address. Now that’s easy! It’s the lowest rates and work with a local agent.
Deciding on an insurer shouldn’t rely on just a cheap price. Agents should be asked these questions:
When researching a local agent, you need to know there are two types of agencies that you can select. Minot agents can either be independent (non-captive) or captive.
This type of agents work for only one company such as American Family, State Farm and Allstate. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies receive extensive training in insurance sales and that can be a competitive advantage.
The following are Minot captive agents willing to provide price quote information.
State Farm Insurance – 103 14th Ave SW – Minot, ND 58701 – (701) 839-3436
Allstate Insurance Co – 1317 S Broadway – Minot, ND 58701 – (701) 838-2100
American Family Insurance – 1809 S Broadway # X – Minot, ND 58701 – (701) 852-5940
Farmers Insurance Group – 811 S Broadway – Minot, ND 58701 – (701) 852-4434
Independent insurance agents are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s a good idea to include price quotes from at a minimum one independent agency to get the best comparison.
Below is a short list of independent insurance agents in Minot who can help you get rate quotes.
Western Agency – 408 20th Ave SW # 101 – Minot, ND 58701 – (701) 463-2253
National Marketing Insurance – 617 N Broadway – Minot, ND 58703 – (701) 839-5451
Western Agency Group – 408 20th Ave SW # 101 – Minot, ND 58701 – (701) 852-5383
Triplett Insurance – 124 8th Ave NW – Minot, ND 58703 – (701) 839-3220
To view a full list of insurance agents in Minot, please view this page.
After getting reasonable responses to these questions and locked in a price quote, you have narrowed it down to a car insurance agent that is a good match to properly insure your vehicles.
The cheapest car insurance is definitely available on the web in addition to many Minot insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and these regional insurance providers work with independent agents.
When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.
We just showed you some good ideas how you can save on car insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.
Additional detailed information is located at the North Dakota Insurance Department website. North Dakota consumers can learn about insurance regulations, discover disciplinary actions, download brochures, and find out which companies have the most complaints.