Tightwads Tips for Saving on Finley Car Insurance

Paying for high-priced car insurance can drain your checking account and make it impossible to make ends meet. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

Where Can I Get Cheap Finley Car Insurance?

Most major insurance companies like Allstate, GEICO and Progressive provide prices for coverage online. Obtaining pricing is fairly straightforward as you just enter your required coverages into the quote form. Behind the scenes, the system will obtain your credit score and driving record and generates a price based on these factors. Being able to quote online makes comparing rates easy, but the time required to go to several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find a lower rate.

A less time-consuming method to compare car insurance pricing makes use of a single form to get prices from multiple companies. It's a real time-saver, reduces the work, and makes rate comparisons much simpler. Immediately after submitting the form, it gets priced and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of 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 your current policy handy, we recommend you replicate the limits and deductibles as close as possible to your current policy. This way, you will have comparison quotes based on similar coverages.

What determines how much you pay?

It's important that you understand some of the elements that help determine the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in lower car insurance prices.

The following are some of the items companies use to determine premiums.

Higher deductibles cost less - Your deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more expense you're willing to pay, the bigger discount you will receive.
Where you live can impact rates - Residing in a rural area is a positive aspect when talking about car insurance. City drivers have to deal with more traffic problems and a longer drive to work. Lower population means fewer accidents and a lower car theft rate.
Older drivers save more - Youthful drivers in North Dakota are known to get distracted easily when driving so they pay higher car insurance rates. If you've ever had to add a teenage driver to your policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.
Bad driving skills means higher rates - Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Lower miles equals lower premium - Driving more miles in a year's time the more you'll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage shows the proper vehicle usage.

More discounts equal less premium

Companies offering auto insurance do not list all available discounts very clearly, so the following is a list of both the well known and the harder-to-find car insurance savings. If you're not getting every credit you deserve, you're just leaving money on the table.

Multiple Vehicles - Having multiple vehicles on one policy qualifies for this discount.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Student in College - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Driver Safety - Completing a defensive driving course could cut 5% off your bill depending on where you live.
Payment Method - If you pay your bill all at once rather than paying monthly you can actually save on your bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won't be that lucky.

For a list of insurers who offer car insurance discounts in North Dakota, follow this link.

It's not one size fits all

When it comes to choosing coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover if you could use an agent's help.

Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Finley?
Should I buy only the required North Dakota minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and may give you better protection.

Even more information can be read at the North Dakota Insurance Department website. Visitors are able to report car insurance fraud, view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about a company.

And the best car insurance company is...

Cheaper car insurance can be purchased both online and with local Finley insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We just presented a lot of tips how to lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .