5 Ways to Pay Lower Auto Insurance Rates in Devils Lake

If you’re new to shopping for auto insurance online, it’s easy to be confused by the large number of online auto insurance companies and websites vying for business in Devils Lake.

How to Compare Devils Lake Auto Insurance Rates

Comparing auto insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking to local insurance agents in Devils Lake, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and each company can provide price quotes based on that data. This eliminates the need for quote forms to each individual auto insurance company.

To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose the insurers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of low cost auto insurance companies in North Dakota. Click here to view list.North Dakota insurance comparisons

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages and limits for each price quote. If you have differing limits it will be impossible to decipher which rate is best in Devils Lake. Just a small difference in coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes helps locate the best price.

Take advantage of discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so we researched both the well known and also the lesser-known savings tricks you should be using.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • College Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount depending on your company.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies offering auto insurance discounts in North Dakota, click this link.

How to know if you need help

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Devils Lake ND insurance prices

For example, these questions may help you determine if you will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I need PIP (personal injury protection) coverage in North Dakota?
  • Who is covered when they drive my vehicle?
  • Does my insurance cover a custom paint job?
  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

More consumer information in North Dakota

More tips and info about auto insurance is available at the North Dakota Insurance Department website. Visitors are able to file complaints about a company, find out industry alerts, and learn about insurance regulations.