Getting Cheap Beulah Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are a lot of people in Beulah just like you who feel imprisoned by their auto insurance policy.

Drivers have multiple to pick from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months because prices are constantly changing. Just because you found the lowest rates a few years ago you can probably find a better price now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Buying car insurance in Beulah is easy if you know what you're doing. If you have car insurance now, you will be able to lower your premiums substantially using these methods. But North Dakota drivers do need to know how companies sell online and use this information to your advantage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

The following are a few of the "ingredients" auto insurance companies consider when setting your rates.

Consolidate policies to earn discounts - Many insurance companies give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal. You may still find a better deal by buying insurance from more than one company.
Don't sacrifice liability coverage - Liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Having a spouse can save you money - Having a spouse can get you a discount on auto insurance. Marriage means you're more mature than a single person it has been statistically shown that being married results in fewer claims.
Drive less and save money - Driving more miles in a year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance coverage shows the proper vehicle usage.
Safer cars cost less to insure - Cars with high safety ratings get lower rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and thus lower rates.
An active claims history can cost you - Insurance companies in North Dakota generally give lower rates to people who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.

Save big with these discounts

Car insurance companies don't list every available discount very clearly, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
No Charge for an Accident - Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
E-sign - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Organization Discounts - Participating in a qualifying organization may earn a discount on your policy.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Federal Government Employee - Employees or retirees of the government can save as much as 8% with certain companies.
Discount for Good Grades - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.

Drivers should understand that some credits don't apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

To choose providers who offer auto insurance discounts in North Dakota, click here.

Auto insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim that you'll save big after switching to their company. How does each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. For example, a preferred risk could possibly be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential insureds who fall outside these standards will be charged more money and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much. That's the way companies can advertise the way they do. That is why you should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More detailed North Dakota auto insurance information can be found at the North Dakota Insurance Department website. North Dakota consumers can read consumer alerts, find out which companies have the most complaints, get help finding coverage, and file complaints about an insurance agent or broker.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Beulah agent directory.

Final considerations

When shopping online for auto insurance, make sure you don't buy poor coverage just to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Budget-conscious auto insurance can be sourced online and also from your neighborhood Beulah agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.