How to Know You're Paying Too Much for Car Insurance in Casselton

No one looks forward to buying car insurance, particularly when the price is too high. There is such a variety of to buy insurance from, and although it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes occasionally due to the fact that insurance rates are constantly changing. Just because you found the best deal last year there may be better deals available now. So just forget anything you know (or think you know) about car insurance because I'm going to teach you the proper way to save on car insurance.

North Dakota car insurance quotes

More discounts equal less premium

Companies that sell car insurance don't list all their discounts very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Bundle and Save - When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • College Student - Youth drivers who live away from home and don't have a car may be able to be covered for less.
  • Senior Citizens - Older drivers may receive a discount up to 10%.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, you won't be that lucky.

For a list of companies with discount car insurance rates in North Dakota, click here.

Finding Car Insurance Deals in Casselton, ND

Most major insurance companies like GEICO, State Farm and Progressive provide insurance quotes directly from their websites. Obtaining pricing doesn't take much effort as you just type in your coverage preferences into the quote form. Once entered, the system will obtain your driving record and credit report and returns a price determined by many factors. Being able to quote online makes it a lot easier to compare rates but having to visit many different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

A more efficient way to get multiple rate quotes makes use of a single form that obtains quotes from many companies. It's a real time-saver, requires less work, and makes online quotes a little more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

In order to find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it's recommended that you enter the coverages as close as possible to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Casselton?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

Best coverage at the best price

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at a price you can afford.

Cheaper car insurance can be sourced both online in addition to many Casselton insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.