Tightwads Guide for Saving on Hatton Car Insurance

Expensive car insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Online insurance companies like GEICO and Progressive constantly bombard you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare rates quite often because rates are constantly changing. Even if you think you had the lowest price a couple years back there may be better deals available now. Block out anything you think you know about car insurance because you're about to find out how to quote online to find great coverage at a great price.

Be sure to get all your discounts

Auto insurance companies don't always advertise all their discounts in a way that's easy to find, so we researched some of the more common and the more hidden ways to save on car insurance.

  • Sign Online - Certain companies will give a small break for buying your policy digitally online.
  • 55 and Retired - Older drivers may receive better car insurance rates.
  • Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
  • Government Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of companies with discount car insurance rates in Hatton, click this link.

How to Buy Hatton Car Insurance Online

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in Hatton, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company then gives them pricing. This system prevents you from having to do quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is that you can't choose the companies you want pricing from. So if you want to choose specific providers for rate comparison, we put together a list of low cost car insurance companies in North Dakota. Click here to view list.

It's up to you how you get prices quotes, just make darn sure you compare exactly the same coverage limits on every quote you get. If you are comparing differing limits it will be next to impossible to determine which rate is truly the best in Hatton. Having just a slight variation in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will improve the odds of getting better pricing.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent's help.

  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?
  • Should I buy only the required North Dakota minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Do the work, save more money

Cheap car insurance is attainable from both online companies and also from your neighborhood Hatton agents, and you need to comparison shop both to have the best selection. Some car insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate.