5 Simple Ways to Cut Car Insurance Costs in New Salem

Shopping for the lowest cost New Salem car insurance on the web can seem to be intimidating for consumers new to comparison shopping online. Since there are so many online companies, how can consumers even start to compare the different rates to find the best price?

It's important to take a look at other company's rates quite often since rates are constantly changing. Just because you found the lowest price on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the quickest way to lower your rates without sacrificing coverage.

Finding affordable coverage in New Salem is quite easy. In a nutshell, anyone who has to buy car insurance stands a good chance to be able to save money. Nevertheless, North Dakota consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies don't list every available discount very clearly, so we researched both the well known as well as the least known ways to save on car insurance.

Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
Resident Student - Any of your kids who are attending college and don't have a car can receive lower rates.
Auto/Life Discount - Larger companies have a discount if you purchase a life insurance policy as well.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

Do I need to file an SR-22 for a DUI in North Dakota?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Save $429 a year? Really?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads make the same claim of big savings if you change to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a more expensive rate which leads to the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently advertise the savings. That is why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will fit your personal profile best.

More tips and info about car insurance is located at the North Dakota Insurance Department website. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, and report car insurance fraud.

Shop smart and save

We just covered many ideas to reduce car insurance prices online. It's most important to understand that the more you quote, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from the least-expected company.

When you buy insurance online, it's very important that you do not skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Cost effective car insurance can be sourced both online and also from your neighborhood New Salem agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.