Harvey Auto Insurance Savings the Insurance Companies Don’t Want You to Know About

Overpriced auto insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is a great way to help make ends meet.

Many insurance companies compete for your business, and because of this it can be hard to compare insurers to get the best price available.

Comprehensive Auto Insurance Comparison in Harvey, North Dakota

When shopping for auto insurance there are multiple ways to compare rate quotes from local in Harvey, North Dakotaauto insurance companies. The best way to find the lowest rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  1. One of the best ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission will get you price quotes from auto insurance companies with the best prices.
  2. A more time consuming way to compare rate quotes is going to the website for every company you want to comare to request a price quote. For instance, let’s assume you want comparison quotes from Liberty Mutual, Esurance and Allstate. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in Harvey, click here.

It doesn’t matter which method you choose, just compare identical quote information for each price quote. If you enter different liability limits then you won’t be able to decipher which rate is best in Harvey. Just a small difference in limits can result in a big premium difference. And when comparing auto insurance rates, know that more quotes provides better odds of finding lower pricing.

Discounts can save BIG

Auto insurance companies do not advertise all available discounts very clearly, so we break down both well-publicized and the more hidden discounts you could be receiving.

  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10%.
  • Accident Free – Good drivers with no accidents pay much less as compared to frequent claim filers.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers offering auto insurance discounts in Harvey, click this link.save money concept

Will just any policy work for me?

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I drive in a foreign country?
  • Is my vehicle covered for smoke damage?
  • I don’t drive much so do I pay less?
  • Is my teen driver covered when they drive my company car?
  • Am I covered by my spouse’s policy after a separation?
  • Who is covered when they drive my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What impacts Harvey insurance rates?

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Type of vehicle determines base rates – The performance of the car you drive makes a huge difference in the rate you pay. The lowest rates are for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Always keep insurance in force – Having an insurance coverage lapse is a quick way to increase your auto insurance rates. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • How your age affects price – Mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Teen drivers have a tendency to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Pleasure use saves money – The more you drive every year the higher your rate. The majority of insurers charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Traffic citations inflate rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one citation can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.

Auto insurance myths debunked

Auto insurance providers like State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. They all make an identical promise of big savings if you switch your coverage to them. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of driver they prefer to insure. For example, a driver they prefer could possibly be between 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile must pay more money and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Cheaper insurance is a realistic goal

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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We’ve covered a lot of ways to save on auto insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest rates come from the least-expected company. They can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Even more information is available at the North Dakota Insurance Department website. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read enforcement actions against agents and companies.

Additional helpful sites include this page for auto insurance prices in North Dakota and this resource to find Harvey, ND insurance agents.