Pembina, ND Car Insurance Buying Tips You Aren’t Supposed to Know

Finding low cost prices on Pembina car insurance might be nearly impossible for drivers who are new to online insurance quotes. With so many insurance agents and insurance companies available, it can quickly become hard work to find more affordable car insurance rates.

There are a variety of methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can waste hours talking to local insurance agents in Pembina, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system where prospective buyers enter their policy data once, and every company then returns a price quote determined by their information. This system prevents you from having to do quote forms for each company. To get comparison pricing now click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose the providers you want pricing from. If you would rather choose individual companies to request quotes from, we have a page of the cheapest car insurance companies in North Dakota. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to use nearly identical coverage limits and deductibles for every company. If you enter different limits and deductibles on each one it’s not possible to truly determine the lowest rate in Pembina. Even a minor difference in insurance coverages can result in a big premium difference. And when comparison shopping, having more price comparisons will enable you to find lower pricing.

Buy cheaper car insurance with these tips

Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious such as whether you are married or how safe your car is.

  • Keep car insurance rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in North Dakota award lower rates to people who only file infrequent claims. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Lower rates for married couples – Being married may save some money when buying car insurance. It means you’re more mature than a single person and statistics prove drivers who are married are more cautious.
  • Safety first – Vehicles with good safety scores tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and lower injury rates means your insurance company pays less passed on to you as lower rates. If your car or truck is rated at a minimum four stars on it is probably cheaper to insure.
  • Annual mileage impacts rates – The more you drive each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that sit idle most of the time qualify for better rates than vehicles that are driven to work every day. Verify your car insurance policy shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Cheaper rates by bundling – Lots of companies afford better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount drivers will still want to compare other company rates to make sure you are getting the best deal. Consumers may save money by buying insurance from more than one company.

Drivers save money with these discounts

Not too many consumers would say car insurance is affordable, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of purchase, but some need to be manually applied before you will receive the discount.

  • Accident Forgiveness Coverage – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Bundle and Save – If you can combine your home and auto policy and insure them with the same company you could get a discount of as much as 10 to 15 percent.
  • Discount for Life Insurance – Larger insurance carriers have a discount if you purchase some life insurance too.
  • Resident Student – Kids who are attending college and don’t have a car can be insured at a reduced rate.
  • Early Signing – Select larger companies give a discount for switching companies before your current coverage expires. Ten percent is about the average savings.
  • Driver Training Discounts – Completing a defensive driver class could save 5% or more if you qualify.
  • Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their compared to accident prone drivers.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and some of their more popular discounts are detailed below.

  • Farm Bureau offers discounts for 55 and retired, good student, safe driver, multi-policy, and renewal discount.
  • State Farm has savings for multiple autos, multiple policy, anti-theft, safe vehicle, passive restraint, Steer Clear safe driver discount, and Drive Safe & Save.
  • Progressive offers discounts including multi-policy, continuous coverage, homeowner, good student, online quote discount, online signing, and multi-vehicle.
  • Allstate policyholders can earn discounts including FullPay discount, early signing, new car, farm vehicle, auto/life discount, teenSMART discount, and senior citizen.
  • Nationwide may have discounts that include easy pay, defensive driving, multi-policy, anti-theft, and Farm Bureau membership.
  • MetLife discounts include defensive driver, claim-free, good driver, multi-policy, and accident-free.

Before you buy a policy, ask every prospective company how you can save money. Discounts may not apply to policies everywhere. To see insurance companies who offer free car insurance quotes in North Dakota, follow this link.

Compare rate quotes but buy from a local Pembina insurance agency

A lot of people still like to get advice from a local agent and doing so can bring peace of mind One of the great benefits of getting online price quotes is the fact that drivers can get cheaper prices and still choose a local agent. And buying from neighborhood agents is especially important in Pembina.

For easy comparison, once you complete this simple form, your insurance data is transmitted to local insurance agents who want to provide quotes for your business. You won’t need to do any legwork because prices are sent to you. You can get cheaper car insurance rates and an insurance agent to talk to. If you have a need to compare prices for a specific company, just jump over to their website and fill out the quote form the provide.

Two different types of auto insurance agents

If you are wanting to purchase car insurance from a reputable insurance agent or broker, it’s helpful to know the different types of agents that you can choose from. Insurance agencies in Pembina may be either independent or captive.

Independent Agents (or Brokers)

Independent insurance agents are not limited to a single company and that is an advantage because they can write policies through many companies and find the cheapest car insurance rates. If your agent finds better pricing, the business is moved internally and you don’t have to do anything.

If you need lower rates, you absolutely need to get some free quotes from independent agents for maximum quote selection. A lot of them also have access to smaller companies which can save you money.

The following are Pembina independent insurance agencies that may be able to give you free car insurance quotes.

  • Northland Insurance Inc – 121 1/2 N 3rd St – Pembina, ND 58271 – (701) 825-0030

Captive Insurance Agents

Captive agencies are contracted to one company such as AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so they really need to provide good service. They receive a lot of sales training on their company’s products which helps them compete with independent agents. A lot of people buy insurance from these agents mainly due to the brand rather than low price.

Choosing a insurance agent should depend on more than just a cheap quote. The questions below may impact your decision as well.

car insurance image

  • Does the agent recommend any additional coverage?
  • Who are their largest clients?
  • Are they primarily personal or commercial lines agents?
  • Do the agents have professional certifications like CPCU or CIC?
  • How much experience to they have in personal lines coverages?

Don’t give up on lower rates

As you , never buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

We’ve covered many tips how you can get a better price on car insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of getting . Consumers could even find that the lowest prices are with the least-expected company.

Lower-priced car insurance can be bought on the web and with local Pembina insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agents.

Additional information is available on the found here. Visitors are able to view a list of available companies, discover disciplinary actions, find out which companies have the most complaints, and file complaints about an insurance agent or broker.

Other useful links include Auto Insurance 101 and this page of insurance agents in Pembina.