Harvey Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, it's easy to be confused by the vast number of auto insurance companies all offering big savings in Harvey.

Policy discounts you shouldn't miss

Companies do not advertise every discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

Lower Rates for Military - Being on active duty in the military could mean lower rates.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Low Mileage Discounts - Driving fewer miles can earn discounted rates on garaged vehicles.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky.

Tips to Get Lower Harvey Rates

Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Lower rates with optional equipment - Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft.
High credit ratings translate to low rates - Having a bad credit score is a important factor in determining your rates. If your credit history is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers who have poor credit.
Pleasure use saves money - The more miles you rack up on your car each year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven.
Do you need the policy add-ons? - There are many additional coverages that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's needs are different.

For example, these questions might point out whether your personal situation will benefit from professional help.

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
I have good health insurance, so how much medical payments coverage do I need?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Save $429 a year? Really?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch your coverage to them. How does each company make almost identical claims?

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be quoted more money and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which company will provide you with the cheapest rates.

Even more information can be found at the North Dakota Insurance Department website. North Dakota consumers can view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.

Also read more on this page for auto insurance prices in North Dakota and this page of Harvey insurance agents.

Final considerations

People switch companies for a number of reasons such as unfair underwriting practices, policy cancellation, delays in paying claims and even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is less work than it seems.

When shopping online for auto insurance, make sure you don't skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance can be found online as well as from independent agents in Harvey, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.