Free Guide to Paying Less for Ray Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Because you have many insurance companies to choose from, it is hard for the average consumer to find the lowest price provider.

Finding affordable coverage in Ray is quite easy. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Nevertheless, North Dakota drivers do need to know the way companies determine prices and take advantage of how the system works.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes some of the factors that factor into prices.

Save money with special equipment - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
Protect yourself with liability coverage - The liability section of your policy provides coverage when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
Traffic violations increase rates - A bad driving record has a big impact on rates. Even one speeding ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Never go without insurance - Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will rates go up, getting caught without coverage may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with the North Dakota department of motor vehicles.
Rates may be lower depending on your job - Careers like doctors, business owners and stock brokers are shown to have the highest rates because of job stress and long work days. On the other hand, occupations like actors, students and the unemployed pay the least.

How much can you save with discounts?

Companies offering auto insurance don't always list every discount very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.

Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
Military Discounts - Being on active duty in the military can result in better rates.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
No Claims - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
Low Mileage Discounts - Keeping the miles down can qualify you for discounted rates on garaged vehicles.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurance companies with the best auto insurance discounts in North Dakota, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all make an identical promise of big savings if you move your policy. But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has excellent credit. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be quoted more money and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently make those claims. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will have the lowest rates.

Learn more about North Dakota auto insurance

More tips and info about auto insurance is available at the North Dakota Insurance Department website. North Dakota consumers can view a list of available companies, find out which companies have the most complaints, find disaster information, and file complaints about a company.

Other informative sites include this site for auto insurance rates in North Dakota and this list of insurance agents in Ray, ND.

Shop smart and save

Low-cost auto insurance is possible online in addition to many Ray insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online price quotes and these smaller companies work with independent agents.

In this article, we presented some good ideas how you can save on auto insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest rates come from a small local company. Some small companies can often provide lower rates in certain areas compared to the large companies like .