7 Discounts Hope Shoppers Forget when Comparing Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse. Drivers have so many to pick from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices at least once a year since rates are constantly changing. If you had the lowest rates on your last policy there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

How to Compare Hope Car Insurance Costs

Reducing your insurance rates isn't really that difficult. Consumers just need to spend a few minutes comparing rate quotes from different insurance companies. This can be done using a couple different methods.

The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quote forms for every car insurance company. Completing one form will return price quotes from many national carriers.
A more time consuming way to shop for car insurance online consists of visiting each company website to complete their respective quote request forms. For instance, we'll assume you want to compare rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Hope, click here.
The least efficient method of comparing rate quotes is to spend time driving to insurance agents' offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional advice of a local Hope agent. You can, however, find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, compare identical deductibles and coverage limits on every quote you get. If you are comparing different values for each quote it's impossible to determine which rate is truly the best in Hope.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you quote, but lesser-known reductions have to be inquired about before you get the savings. If you're not getting every credit possible, you are paying more than you should be.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Homeowners Discount - Being a homeowner may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
Organization Discounts - Being a member of a qualifying organization could qualify you for a break on your policy.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.

It's important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like it's possible to get free car insurance, you're out of luck. But any discount will bring down the amount you have to pay.

To choose providers with the best car insurance discounts in North Dakota, follow this link.

Save $429 a year? Really?

Consumers in North Dakota can't ignore all the ads that promise big savings from the likes of State Farm and Allstate. All the ads say the same thing that you can save if you move your coverage to them.

How does each company claim to save you money?

All companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk might be between 30 and 50, has no tickets, and has great credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can advertise the savings.

That is why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

More information can be found on the website for the North Dakota Insurance Department located here. Visitors are able to file complaints about a company, find disaster information, view a list of available companies, and view agent and company licensing information.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Hope insurance agents.

In the end, you save

We just covered many ways to compare car insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best prices are with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets compared to the large companies like .

Lower-priced car insurance is possible both online as well as from independent agents in Hope, so compare prices from both to have the best selection. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.