Auto Insurance in Dickinson North Dakota – 10 Tricks to Lower Rates

Finding the cheapest Dickinson auto insurance online is intimidating for beginners to online price comaprisons. With dozens of choices, how can you even start to compare every company to locate the lowest rates?

You need to get comparison quotes at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best price a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but we’re going to give you some good information on how to find cheap auto insurance.

Which Auto Insurance is Cheapest in Dickinson, North Dakota?

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a lot of time driving to insurance agencies in Dickinson, or you can utilize the internet to maximize your effort.

Most major companies belong to a marketplace where prospective buyers enter their policy data once, and each company returns a rated price based on that information. This prevents consumers from doing quotation requests for each company you want a rate for. To find out what other companies charge click here (opens in new window).

The only downside to doing it this way is you can’t choose which insurance companies you want pricing from. If you would rather choose specific providers to receive pricing from, we have a listing of companies who write auto insurance in North Dakota. Click here for list of insurance companies in North Dakota.

It’s up to you which method you use, but double check that you are using exactly the same information with each company. If each company quotes different values for each quote it will be next to impossible to determine which rate is truly the best in Dickinson.

Companies offer discounts so take them!

Companies that sell car insurance do not list every available discount very clearly, so here is a list both well-publicized as well as the least known auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Low Mileage Discounts – Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
  • Claim Free – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.

Keep in mind that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To choose insurers with the best auto insurance discounts in North Dakota, click here.

Do I just need basic coverages?

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions might point out whether you may require specific advice.<img class="alignright" style="padding-top:15px" src="" alt="Dickinson insurance quotes” />

  • How much liability do I need to cover my assets?
  • Do I have coverage if my license is suspended?
  • Should I put collision coverage on all my vehicles?
  • Can I drive in Mexico and have coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many North Dakota drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, rock chips in glass, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This pays for damage to your vehicle caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, doctor visits, hospital visits, chiropractic care and EMT expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Dickinson insurance quotes

Liability can pay for things such as loss of income, attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible. North Dakota requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more liability than the minimum.

Even more information can be read at the North Dakota Insurance Department website. North Dakota drivers can learn about specific coverages, read industry bulletins, find disaster information, and find out industry alerts.

In the end, you save

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, policy non-renewal, questionable increases in premium or even delays in responding to claim requests. Whatever your reason, switching auto insurance companies can be less work than you think.

Affordable auto insurance is attainable online as well as from independent agents in Dickinson, so compare prices from both so you have a total pricing picture. Some companies don’t offer online price quotes and these smaller companies work with independent agents.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.