Cannon Ball Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of car insurance companies in Cannon Ball? Many other drivers are as well. People have so many options available that it can turn into a ton of work to compare prices.

It's important to check car insurance prices at least once a year due to the fact that insurance rates are constantly changing. Just because you had the best rates a couple years back a different company probably has better rates today. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to find cheap car insurance.

Don't pay full price with these discounts

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will cut your premiums.

What determines how much you pay?

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.

One company can mean more discounts - Most car insurance companies give discounts to insureds who buy several policies from 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 with this discount, it's still a good idea to compare other company rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
Do you need the policy add-ons? - There are many extra coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don't need them get rid of them and save.
Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Good drivers get better rates than bad drivers. Only having one speeding ticket can increase rates forty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be collision with another vehicle, vandalism, and burglary. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense you're willing to pay, the less your car insurance will be.
Older drivers pay less - Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be less responsible when behind the wheel therefore car insurance rates are much higher.
Please use or commuting - The more miles you rack up on your car in a year the higher your rates will be. Most companies charge to insure your cars based on their usage. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is showing how each vehicle is driven.
Better credit means lower rates - Your credit score is a big factor in calculating your car insurance rates. Therefore, if your credit score is lower than you'd like, you could potentially save money when insuring your by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.

The car insurance bait and switch

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim that you can save if you switch to them. How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk might be over the age of 50, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters will get very good rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be charged higher premiums which leads to the customer not buying. The ads say "customers who switch" not "everyone that quotes" save money. That's the way insurance companies can advertise the way they do.

That is why drivers should compare many company's rates. You cannot predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More information can be read on the North Dakota Insurance Department website found here. Visitors are able to read consumer alerts, discover disciplinary actions, and file complaints about a company.

Do the work, save more money

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Affordable car insurance is available both online and with local Cannon Ball insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just presented some good ideas how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a small mutual company.