Getting the Cheapest Lamoure Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat.

Big companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. If you had the best price a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out one of the easiest ways to get good coverage at a lower rate.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Lamoure is quite easy. Nevertheless, North Dakota vehicle owners do need to know how insurance companies determine prices and apply this information to your search.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Low Mileage - Keeping the miles down can earn a substantially lower rate.
Drivers Ed for Students - Have your child take driver's ed class in high school.
Claim Free - Drivers with accident-free driving histories can save substantially compared to bad drivers.
Memberships - Affiliation with a civic or occupational organization may earn a discount on your policy.
More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
E-sign - A handful of insurance companies give back up to $50 simply for signing digitally online.

It's important to understand that some credits don't apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

To see a list of providers with the best auto insurance discounts in Lamoure, click here.

Quick Lamoure Auto Insurance Quotes

Shopping for lower auto insurance rates can be a lot of work if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in Lamoure, or you could save time and use the internet to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is you don't know exactly which carriers you will receive quotes from. So if you want to select specific insurance companies to receive pricing from, we have a listing of auto insurance companies in North Dakota. View list of North Dakota insurance companies.

Whichever method you choose, compare exactly the same deductibles and coverage limits with every price quote. If each company quotes different values for each quote it will be impossible to find the best deal in Lamoure. Slightly different coverage limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding better pricing.

Tips to Get Lower Lamoure Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get big savings.

A clean driving record saves money - Your driving record has a huge affect on how much you pay. Even a single moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Drivers who get severe violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. Safer cars protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.
High numbers of claims are not good - Insurance companies in North Dakota generally give cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can expect higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
Rates may be lower depending on your job - Occupations like lawyers, social workers and dentists have the highest average rates because of job stress and lots of time spent at work. Other jobs such as actors, historians and the unemployed get better rates.
Protect yourself with liability coverage - The liability section of your policy provides coverage in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
Having a spouse can save you money - Having a spouse actually saves money on auto insurance. Marriage translates into being more mature and responsible and it's proven that being married results in fewer claims.
Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are a windshield shattered by a rock, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount you have to pay, the less your auto insurance will be.

The auto insurance bait and switch

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads have a common claim of big savings if you move your coverage to them. How can each company say the same thing?

All the different companies are able to cherry pick for the type of customer that is profitable for them. For example, a preferred risk might be profiled as over the age of 50, has no tickets, and has excellent credit. A propective insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a more expensive rate and this can result in business not being written. The ad wording is "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently make those claims.

That is why drivers must get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

The best insurance company isn't always the cheapest

Throughout this article, we presented a lot of ways to compare auto insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a small local company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as .

Low-cost auto insurance is possible on the web as well as from independent agents in Lamoure, and you should be comparing both to have the best rate selection. Some companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Find out more about auto insurance

Additional auto insurance information can be found on the website for the North Dakota Insurance Department located here. North Dakota drivers can file complaints about a company, find disaster information, download brochures, and read industry bulletins.