Learn Proven Techniques to Save on Glendive, MT Auto Insurance

Finding better rates for Glendive auto insurance is hard for people who are new to buying insurance online. Drivers have so many companies to choose from that it can easily become a real challenge to compare prices in Glendive.

Cut your premium with discounts

Companies offering auto insurance don’t always advertise every discount in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving.

• Federal Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Driver Safety – Successfully completing a driver safety course can save you 5% or more depending on where you live.
• Resident Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So when it seems like you could get a free auto insurance policy, you’re out of luck.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

• Younger drivers pay higher rates – Teenage drivers in Montana are known to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
• Multiple policies with one company can save – Many companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to shop around to confirm you are receiving the best rates possible. You may still find a better deal by buying auto insurance from a different company.
• Liability coverage is peace of mind – The liability section of your policy provides coverage if ever you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
• High performance equals high price – The make and model of the car you drive makes a big difference in your rates. The lowest base rates are usually for small economy passenger cars, but there are many factors that impact the final cost.
• Rural vs Urban Areas – Choosing to live in a small town is a positive aspect when insuring your vehicles. City drivers regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents and a lower car theft rate.

Can’t I compare rates from local Glendive agents?

Certain consumers just want to buy from a local agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents who will compete for your insurance coverage. You won’t need to even leave your home as quotes are delivered to your email. It doesn’t get any easier! You’ll get the best rates AND a local agent.

Deciding on an insurer shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:

• What insurance companies do they recommend if they are an independent agent?
• Are claim adjusters local or do you have to take your car somewhere else?
• Is vehicle damage repaired with OEM or aftermarket parts?
• How are they compensated?
• If your car is totalled, how to they determine the replacement cost?
• Does the agent have professional designations like CIC, CPCU or AIC?
• How are claims handled?

Pick the best auto insurance agent in Glendive for you

If you’re trying to find a good insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Glendive are classified as either captive or independent (non-captive).

Agency Captives

Captive insurance agents have only one company to place business with and examples are Allstate, Farmers Insurance, State Farm and AAA. They are unable to give you multiple price quotes so they have no alternatives for high prices. Captives are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers often purchase coverage from captives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Independent Agents

Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, you should always include several independent insurance agents to have the most options to choose from. Many write coverage with smaller companies which can save you money.

The following is a short list of independent agencies in Glendive who can help you get rate quotes.

• Jay Morasko Insurance – 332 S Douglas St – Glendive, MT 59330 – (406) 365-2497

For a full directory of licensed insurance agents in Glendive, click here to link.

Once you have received reasonable responses and an affordable coverage quote, you have narrowed it down to an auto insurance agent that will service your policy.

Learn more about auto insurance in Montana

Additional detailed information is located at the Montana Commissioner of Securities and Insurance website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.

Also read more on QuoteClickInsure.com and this link where you can get more info about Glendive coverage.

Quote often and quote early

Cost effective auto insurance is definitely available online and with local Glendive insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

People change insurance companies for a number of reasons such as delays in paying claims, denial of a claim, not issuing a premium refund or lack of trust in their agent. Whatever your reason, choosing a new company can be easier than you think.