Watford City Car Insurance For Less Than You’re Paying Now

Feel like you’re a prisoner to overpriced car insurance? Believe me, there are lots of people in the same boat.

Because you have many choices, it can be diffult for consumers to find the lowest cost provider.

Finding the best rates in Watford City is easy if you know what you’re doing. Just about anyone who is shopping for car insurance will be able to find better rates. Nevertheless, North Dakota consumers do need to know how the larger insurance companies sell online and apply this information to your search.

Do you qualify for discounts?

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find car insurance savings.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies who offer car insurance discounts in North Dakota, click here.

How to Compare Car Insurance Quotes in Watford City, North Dakota

There are several ways to compare quotes from car insurance companies in your area. By far the easiest way to compare insurance prices is simply to get online rate quotes. This is very easy and can be done in several different ways.

  1. The single most time-saving way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quote forms for every car insurance company. One quote request will return price quotes from several companies.
  2. A more time consuming way to obtain and compare quotes online is spending the time to visit each company’s website to request a price quote. For examples sake, let’s assume you want to compare Progressive, Liberty Mutual and American Family. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Watford City, click here.

Whichever way you use, make sure you use apples-to-apples coverages and limits for each comparison quote. If you compare different limits and deductibles on each one it’s impossible to truly determine the lowest rate in Watford City. Slightly different coverage limits can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding better pricing.

More quotes mean more savings

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed physical damage coverage only to discover later they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of techniques to save on car insurance. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a small local company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.