Tightwads Guide to Saving on Rugby Car Insurance

Comparing Rugby car insurance rates online can be complicated if you are a beginner to online rate quotes. But relax because we’re going to show you how.

Free Rugby Car Insurance Quotes

Shopping for lower car insurance rates can be exhausting if you aren’t aware of the easiest way. You can spend your afternoon discussing policy coverages with agents in Rugby, or you could save time and use the web to get the quickest rates.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company can give them a price determined by their information. This prevents consumers from doing quotation requests to each individual car insurance company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to doing it this way is that you can’t choose which companies to get pricing from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of the cheapest car insurance companies in North Dakota. Click to view list.

Whichever method you choose, be sure to compare apples-to-apples information with every price quote. If your comparisons have higher or lower deductibles it will be very difficult to make an equal comparison in Rugby. Having just a slight variation in limits may cause a big price difference. It’s important to know that comparing a large number of companies gives you a better chance of getting the best price.

Discounts can save BIG

Car insurance companies do not list every discount very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Multiple Cars – Having all your vehicles on the same car insurance policy qualifies for this discount.
  • Multi-policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Claim Free – Claim-free drivers pay less when compared with drivers who are more careless.
  • Accident Waiver – Certain companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

Are insurance agents a thing of the past?

A small number of people just want to visit with an insurance agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is the fact that you can find the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to participating agents in Rugby who will return price quotes for your insurance coverage. You don’t have to leave your house since price quotes are sent directly to your email. Now that’s easy! You can find the lowest rates AND a local agent.

Choosing an insurance company should depend on more than just the bottom line cost. These questions are important to ask:

  • Can they provide you with a list of referrals?
  • What insurance company do they write the most business with?
  • Who are their largest clients?
  • How many years of experience in personal lines insurance coverages do they have?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do the companies they represent have a solid financial rating?

What type of Rugby auto insurance agent is right for you?

When searching for a good insurance agency, you must know there are a couple different agency structures to choose from. Rugby agents are either independent or captive.compare rates in Rugby North Dakota

Captive Insurance Agents

These agents can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are very knowledgeable in insurance sales which can be an advantage. Some people will only buy from captive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below is a short list of captive agents in Rugby that can give you comparison quotes.

  • American Family Insurance – 127 S Main Ave – Rugby, ND 58368 – (701) 776-5831
Independent Agents (or Brokers)

Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, it’s recommended you contact multiple independent agents for maximum quote selection. Many write coverage with smaller regional carriers which can be an advantage.

Listed below are independent agents in Rugby that can give you comparison quotes.

  • Crop Insurance Svc – 144 S Main Ave – Rugby, ND 58368 – (701) 776-6353
  • Mc Clintock Insurance – 415 3rd Ave SW – Rugby, ND 58368 – (701) 776-2242

To view a full list of car insurance agents in Rugby, please go to this site.

After getting positive feedback to all your questions in addition to an acceptable price estimate, most likely you have located a car insurance agent that meets your needs to provide car insurance coverage.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • When should I remove comp and collision on my vehicle?
  • Can I drive in Mexico and have coverage?
  • What are the best liability limits?
  • Do I need PIP (personal injury protection) coverage in North Dakota?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Why some people pay less for insurance in Rugby

Smart consumers have a good feel for the different types of things that help determine car insurance rates. Understanding what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Credit scores impact car insurance rates – Your credit history is a big factor in calculating your car insurance rates. If your credit is not that good, you could pay less to insure your by improving your rating. People with good credit tend to be more responsible as compared to drivers with lower credit scores.
  • Increase deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the bigger discount you will receive.
  • How’s your driving record? – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records get better rates than people who have multiple driving citations. Only having one ticket may increase your cost by twenty percent. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Performance makes a difference – The performance of the vehicle you are buying insurance for makes a huge difference in the rate you pay. The lowest rates are generally reserved for lower performance four cylinder passenger vehicles, but the cost you end up paying is determined by many additional factors.

Do drivers who switch really save $485 a year?

GEICO, State Farm and Progressive consistently run television and radio advertisements. All the companies say the same thing of big savings if you change to their company. But how can every company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. A propective insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Drivers who don’t qualify for the “perfect” profile must pay higher prices and ends up with business not being written. Company advertisements say “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently make those claims. This illustrates why drivers should compare many company’s rates. Because you never know the company that will provide you with the cheapest rates.

Quote more, save more

Budget-conscious car insurance can be bought on the web as well as from independent agents in Rugby, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

We’ve covered many ways to reduce car insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from a small mutual company.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, being labeled a high risk driver and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

More detailed North Dakota car insurance information can be found at the North Dakota Insurance Department website. Consumers can discover disciplinary actions, file complaints about a company, view a list of available companies, and view agent and company licensing information.

Also read more on this page for car insurance in North Dakota and this link where you can make Rugby car insurance comparisons.