I can’t think of a single person who likes having to buy auto insurance, particularly when the price is too high.
Drivers have so many car insurance companies to pick from, and although it’s nice to be able to choose, so many choices can make it hard to compare rates and find the lowest cost auto insurance.
Finding affordable coverage in Dickinson is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But North Dakota consumers do need to know the way companies compete online because it can help you find the best coverage.
Car insurance companies don’t always list every discount very well, so here is a list both well-publicized as well as the least known ways to save on auto insurance.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
When shopping for auto insurance there are multiple ways to compare rate quotes from local in Dickinsonauto insurance companies. One of the best ways to find the lowest rates involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
For a list of links to insurance companies in Dickinson, click here.
Which method you use is up to you, but be sure to compare identical coverages for each price quote. If your comparisons have higher or lower deductibles you can’t possibly determine the best price in Dickinson. Slightly different insurance coverages may cause a big price difference. And when quoting auto insurance, remember that more quotes gives you a better chance of getting better pricing.
An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.
The list below includes a partial list of the pieces companies use to determine prices.
Some people would rather visit with an insurance agent and that is a personal choice. The biggest benefit of comparing rates online is you may find better rates and still choose a local agent.
Upon completion of this quick form, the quote information is immediately sent to agents in your area who will return price quotes for your coverage. There is no need to even leave your home since price quotes are sent immediately to your email address. How cool is that?! You’ll get the best rates AND an agent nearby.
Choosing a company shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:
When searching for local Dickinson agents, there are two different types of agents from which to choose. Agents can either be independent or captive.
These agents can only write with one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to give you multiple price quotes so keep that in mind. Captive agents receive extensive training on their company’s products which helps them compete with independent agents.
The following are Dickinson captive insurance agents willing to provide price quote information.
Farmers Insurance Group Agents – 28 2nd Ave E – Dickinson, ND 58601 – (701) 225-9245
State Farm Insurance – 1091 3rd Ave W – Dickinson, ND 58601 – (701) 483-9465
American Family Insurance – 204 Sims St # 202 – Dickinson, ND 58601 – (701) 483-6228
These agents do not work for one specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When shopping rates, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices.
Below is a short list of independent insurance agencies in Dickinson that are able to give comparison quotes.
Beaudoin Insurance – 24 W Villard St – Dickinson, ND 58601 – (701) 227-4467
B W Insurance Inc – 150 W Villard St – Dickinson, ND 58601 – (701) 483-3444
Del Gab Agency – 141 3rd St W – Dickinson, ND 58601 – (701) 483-0325
Price Agency – 208 1st Ave E – Dickinson, ND 58601 – (701) 225-8131
Price Agency – 673 State Ave # D – Dickinson, ND 58601 – (701) 225-8131
For a complete listing of auto insurance agents in Dickinson, go to this page.
After receiving positive feedback for all questions you ask and a low price estimate, you have narrowed it down to an insurance agent that meets your needs to service your policy.
Companies like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads have a common claim of big savings if you switch your policy. How can each company make almost identical claims?
Insurance companies can use profiling for the right customer that is profitable for them. An example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably cut their rates substantially.
Drivers who don’t qualify for the requirements will be quoted more money and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save money. That’s the way insurance companies can advertise the savings. This emphasizes why drivers should compare many company’s rates. It’s just too difficult to predict which company will give you the biggest savings.
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.
You just read a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
Additional detailed information is available at the North Dakota Insurance Department website. North Dakota consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and learn about specific coverages.