Casselton Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

No one in their right mind likes having to buy auto insurance, especially when they are paying too much.

Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

You need to price shop coverage before your policy renews since rates are usually higher with each renewal. Just because you had the lowest price on your last policy there is a good chance you can find better rates now. So ignore everything you know about auto insurance because you’re going to learn the quickest way to save on auto insurance.

Comprehensive Casselton Auto Insurance Comparison

Most major insurance companies quote pricing on their websites. Getting online quotes is quite easy as you just enter your coverage information into the quote form. Upon sending the form, the company’s rating system pulls your driving record and credit report and quotes a price based on these factors. This helps simplify price comparisons, but the time required to go to many different websites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to perform this step if you are searching for better prices.

A less time-consuming method to find better auto insurance pricing makes use of a single form that gets price quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. Once the form is submitted, it is quoted and you are able to buy any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

To save time and compare pricing, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you duplicate your coverages identical to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for exact coverage.

Take advantage of discounts

Companies do not advertise every discount 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 discounts you could be receiving.

• Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
• Organization Discounts – Participating in a professional or civic organization could qualify you for a break when buying auto insurance.
• Student Driver Training – Require your teen driver to take driver’s ed class in school.
• Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
• Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
• Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Paperless Signup – A few companies will give a small break for buying your policy online.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

To choose insurance companies who offer auto insurance discounts in North Dakota, follow this link.

Tailor your coverage to you

When buying adequate coverage, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs might need professional guidance.

• Is my babysitter covered when using my vehicle?
• Should I buy more coverage than the required North Dakota minimum liability coverage?
• Will my rates increase for filing one claim?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I getting all the discounts available?
• Should I have combined single limit or split liability limits?
• Should I buy additional glass protection?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Even more information is available at the North Dakota Insurance Department website. Visitors are able to read consumer alerts, view a list of available companies, and view agent and company licensing information.