Tightwads Tips for Saving on Hazen Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.
Consumers have many to pick from, and although it's a good thing to have multiple companies, it can be more difficult to compare rates.
How much can you save with discounts?
Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.
- Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
- Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
- Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
- Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
- Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Keep in mind that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the amount you have to pay.
Save 15 percent in 15 minutes? Is it for real?
Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make an identical promise that you can save after switching to their company. How does each company make almost identical claims?
All companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer could possibly be a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to save when switching.
Potential insureds who don't meet these standards will be quoted more money and ends up with the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can state the savings.
This emphasizes why you should get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.
More information can be found on the website for the North Dakota Insurance Department through this link. North Dakota consumers can view a list of available companies, discover disciplinary actions, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.
Also read more on this site for auto insurance rates in North Dakota and this list of insurance agents in Hazen, ND.
Final considerations
Affordable auto insurance can be bought online and also from your neighborhood Hazen agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.
