Insider Advice on Paying Less for Bottineau Car Insurance

Are you sick and tired of paying out the nose to insure your vehicles every month? Your situation is no different than many other North Dakota drivers.

You have multiple insurers to choose from, and although it’s nice to have multiple companies, it makes it harder to find the best rates.

You should take the time to price shop coverage occasionally because rates trend upward over time. If you had the best deal a few years ago other companies may now be cheaper. So just block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to find better rates and still maintain coverage.

How much can you save with discounts?

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specially asked for in order for you to get them.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accidents.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% with certain companies.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

It’s important to understand that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce the cost of coverage.

To see a list of companies with discount car insurance rates in Bottineau, follow this link.

How to Compare Car Insurance Quotes in Bottineau

All the larger car insurance companies give prices for coverage on their websites. Getting quotes is pretty easy as you just enter your personal and coverage information as detailed in the form. After you complete the form, the company’s rating system will obtain your credit score and driving record and quotes a price. Online quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to find better car insurance pricing.

There is an easier way!

A less time-consuming method to compare rates utilizes a single form that gets price quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes rate comparisons a little more enjoyable. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the quotes returned.

If you find a better price you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and can result in significant savings.

To get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you enter your coverages identical to your current policy. This ensures you’re receiving rate quotes using the same coverage and limits.

Educated Consumers Know How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get better car insurance rates.

  • Don’t buy coverages you don’t need – There are a lot of add-on coverages you can purchase when buying car insurance. Coverages like rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Rates may be lower depending on your job – Occupations such as doctors, business owners and accountants tend to have higher rates than average because of high stress levels and long work hours. On the flip side, jobs such as pilots, athletes and retirees receive lower rates.
  • Older drivers pay less – Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers have a tendency to be less responsible in a vehicle therefore car insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Many car insurance companies provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
  • Optional equipment can affect rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • What type of vehicle do you drive? – The performance level of the vehicle you drive makes a significant difference in determining your rates. The cheapest insurance rates are usually for low performance passenger cars, but the final cost of insurance is determined by many other factors.
  • Your credit rating is important – Your credit history is a big factor in determining your rates. If your credit score is not that good, you could be paying less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.

How much car insurance do I need?

When buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine if your situation will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What should my uninsured motorist coverage limits be in North Dakota?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need higher deductibles?
  • Does my car insurance cover rental cars?
  • Why does it cost so much to insure a teen driver in Bottineau?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance in North Dakota

Affordable insurance is out there

Budget-conscious car insurance is possible on the web as well as from independent agents in Bottineau, so you should compare both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, do not buy poor coverage just to save money. There are a lot of situations where someone dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

Additional consumer information websites

More information is available on the website for the North Dakota Insurance Department found here. North Dakota consumers can find out which companies have the most complaints, report car insurance fraud, and discover disciplinary actions.