Insider Advice on Cheaper Jamestown, ND Auto Insurance

Comparison shopping for Jamestown auto insurance can be hard for consumers not familiar with comparing rates online. You have so many choices that it can turn into a ton of work to find the best price in Jamestown.

Smart consumers take time to take a look at other company’s rates before your policy renews because insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

Finding the cheapest protection in Jamestown can be fairly easy. Essentially every vehicle owner who buys auto insurance will most likely be able to lower their premiums. Nevertheless, North Dakota drivers need to learn how insurance companies compete online.

Cut your premium with discounts

Car insurance can cost a lot, but there could be available discounts that you may not know about. Some trigger automatically when you quote, but some may not be applied and must be requested specifically prior to getting the savings.

Memberships – Participating in a professional or civic organization could qualify you for a break on auto insurance.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.
College Student – Children living away from home attending college and do not have a car may qualify for this discount.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
Fewer Miles Equal More Savings – Fewer annual miles can earn better rates on cars that stay parked.
New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Auto/Home Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.

Keep in mind that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will cut your premiums.

For a list of insurers with discount auto insurance rates in Jamestown, click this link.

Comprehensive Jamestown Auto Insurance Comparison Quotes

Most major insurance companies allow you to get prices for coverage on the web. Getting online rates doesn’t take a lot of time as you simply enter your coverage information into a form. After you submit the form their rating system orders credit information and your driving record and returns pricing information based on these and other factors.

Online price quotes makes it a lot easier to compare rates but having to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a better rate.

There is an easier way!

The smarter way to compare auto insurance pricing is to use a quote form that obtains quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes online quotes much easier. After your information is entered, it gets priced and you are able to buy any of the quotes returned.

If you find a better price you can click and sign and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.

To quickly use this form to compare rates, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you input the coverages as close as possible to your current policy. This helps ensure you will get a rate comparison for the exact same coverage.

How your Jamestown rates are determined

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what determines base rates enables informed choices that could result in better auto insurance rates.

Performance makes a difference – The performance of the car you are insuring makes a significant difference in your rates. The lowest rates are for lower performance four cylinder passenger models, but the final cost of insurance is determined by many other factors.
Claim-free discounts can add up – Insurance companies in North Dakota generally give cheaper rates to people who do not file claims often. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Where you live – Choosing to live in a rural area can save you money when insuring your vehicles. Urban drivers have traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
Never allow your policy to lapse – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with the North Dakota department of motor vehicles.
Being married can save on auto insurance – Being married actually saves money on your policy. Having a spouse is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
Do you know you’re credit rating? – Your credit rating is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit. Therefore, if your credit rating can use some improvement, you could pay less to insure your by repairing your credit.

You are unique and your auto insurance should be too

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

Does liability extend to a camper or trailer?
Am I covered by my spouse’s policy after a separation?
Can I still get insurance after a DUI?
Should I have combined single limit or split liability limits?
Do I need roadside assistance coverage?
I have good health insurance, so how much medical payments coverage do I need?
Can I afford low physical damage deductibles?
Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Aren’t my neighborhood agents an option?

Some people prefer to buy from a local agent and that is OK! One of the best bonuses of comparing insurance prices online is you may find the lowest rates but also keep your business local. Buying from small agencies is important particularly in Jamestown.

By using this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will return price quotes for your business. There is no reason to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy! You’ll get the best rates and an insurance agent to talk to.

Listed below are agents in Jamestown who can help you get comparison quotes.

State Farm Insurance – 311 1st Ave S, Jamestown, ND 58401 – (701) 252-7197
Nieswaag Insurance – 1313 Business Loop E, Jamestown, ND 58401 – (701) 252-1921
Farmers Insurance Group – 1209 5th Ave SE, Jamestown, ND 58401 – (701) 252-4295
Nodak Mutual Insurance – 219 1st Ave S # 8, Jamestown, ND 58401 – (701) 252-1940

For a complete listing of insurance agents in Jamestown, please go to this site.

Selecting a company requires more thought than just the premium amount. Some important questions to ask are:

How long has their agency been in business in Jamestown?
Who is covered by the car insurance policy?
Are you getting all the discounts the company offers?
Will your rates increase after a single accident?
Are they properly licensed to sell insurance in North Dakota?
What insurance companies do they recommend if they are an independent agent?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Once you have received positive responses for all questions you ask and an acceptable price quote, you have narrowed it down to an insurer that meets your needs to properly insure your vehicles.

In Summary

People leave their current company for a variety of reasons including poor customer service, high rates after DUI convictions, delays in paying claims or policy cancellation. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate.

Cheap auto insurance is possible on the web and also from your neighborhood Jamestown agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

Informative consumer insurance sites

Additional auto insurance information is located on the North Dakota Insurance Department website located here. Consumers can find out industry alerts, read state legal mandates and laws, view a list of available companies, and find a variety of consumer forms.

Also read more on this page for North Dakota auto insurance and see this list of insurance agents in Jamestown.