New Tricks for Saving Money on on Mandan, ND Car Insurance

Perplexed by the wide range of car insurance companies in Mandan? You have a lot of company. There are so many options that it can quickly become a big hassle to find the lowest price.

Smart consumers take time to shop coverage around on a regular basis since insurance rates are constantly changing. Just because you found the best deal a few years ago you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn how to use the internet to reduce your cost while increasing coverage.

If you have car insurance now, you should be able to cut costs considerably using these techniques. Finding the best coverage in Mandan is simple if you know the tricks. Although North Dakota drivers need to have an understanding of the way insurance companies market on the web and use this information to your advantage.

How to Lower Your Car Insurance Cost in Mandan, ND

There are several ways to get quotes and find the best price. The simplest method to find competitive insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

1. The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for every car insurance company. In just a few minutes this one form gets rate comparisons direct from many companies.It’s the quickest way to get rates.
2. A slightly less efficient method to compare prices requires visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want to compare State Farm, 21st Century and Progressive. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

   For a list of links to companies insuring cars in Mandan, click here.

3. The least recommended method to compare rates is to drive around to local Mandan insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the professional guidance of a local Mandan agent. You can, however, get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, make darn sure you compare the exact same coverage information with each company. If you have higher or lower deductibles it will be next to impossible to determine the best price in Mandan. Quoting even small variations in coverage limits can result in a big premium difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find a lower rate.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t list every discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find car insurance savings.

• 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• One Accident Forgiven – A few companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
• Paperwork-free – Some insurance companies give back up to $50 for buying your policy on their website.
• Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

For a list of insurers who offer car insurance discounts in North Dakota, click here.

Informed Drivers can Cut Their Rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

• Multi-policy discounts can save money – The majority of insurers will award you with lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to shop around to verify if the discount is saving money.
• Lower deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be.
• The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your car insurance policy shows the correct driver usage.
• What type of vehicle do you drive? – The make and model of the vehicle you own makes a significant difference in your rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
• Where you reside plays a part – Residing in a rural area has it’s advantages when insuring your vehicles. Lower population translates into fewer accidents and a lower car theft rate. City drivers regularly have congested traffic and longer commute times. Higher commute times means higher likelihood of an accident.
• Add-on coverages can add up – There are many extra bells and whistles you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
• Your credit rating is important – Having a bad credit history is a huge factor in determining what you pay for car insurance. So if your credit history is not that good, you could save money insuring your by improving your credit score. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.

But I prefer to buy car insurance from an agent

Certain consumers would prefer to buy from a licensed agent and that is a personal choice. The best thing about comparing insurance prices online is you may find lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, the quote information is sent to participating agents in Mandan who will give you bids for your insurance coverage. There is no need to even leave your home because quoted prices will be sent immediately to your email address. How’s that for easy! You can find better rates AND a local agent.

Picking an insurer requires more thought than just a cheap price. Ask your prospective agent these questions:

• Are claim adjusters local or do you have to take your car somewhere else?
• Do they feel the quoted coverages are adequate?
• Do they review policy coverages at every renewal?
• Can they give you a list of client referrals?
• If you have an accident, will your rates go up?
• Are they properly licensed to sell insurance in North Dakota?

If you wish to contact a specific insurance agent in Mandan, visit this site.

After receiving good answers as well as a affordable price, you have narrowed it down to a company that can service your policy.

More tips and info about car insurance is available at the North Dakota Insurance Department website. Visitors are able to view agent and company licensing information, learn about insurance regulations, and find out which companies have the most complaints.

Do drivers who switch really save $461 a year?

Car insurance companies such as State Farm, Allstate and GEICO continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your policy. How does each company say the same thing?

Different companies can use profiling for the type of customer they prefer to insure. For instance, a preferred risk could be between 25 and 40, is a homeowner, and has a short commute. Any new insured who fits that profile receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for the requirements will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do. This emphasizes why it is so important to get as many comparisons as possible. It’s not possible to predict which car insurance company will fit your personal profile best.

One last thing

Lower-priced car insurance is attainable online and with local Mandan insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, do not reduce needed coverages to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later that it was a big error on their part. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including high rates after DUI convictions, high prices, lack of trust in their agent or policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.