7 Ways You Can Buy Car Insurance for Less in Reynolds

Scraping up a payment for overpriced car insurance can empty your savings account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare rates yearly since rates are constantly changing. Just because you found the lowest rates a year ago you can probably find a better price now. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.

If you have a current car insurance policy or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Finding affordable coverage in Reynolds is easy if you know what you're doing. North Dakota vehicle owners just need to know the most efficient way to compare prices over the internet.

How much can you save with these seven discounts?

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so we break down both the well known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you deserve, you are paying more than you should be.

Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Own a Home - Owning a house in Reynolds can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Sign Online - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
Bundle and Save - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
No Accidents - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Accident Waiver - A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies who offer car insurance discounts in Reynolds, click here to view.

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

Consumers in North Dakota can't ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching to their company.

How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will have to pay a more expensive rate and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much. This is how companies can make those claims. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

How much car insurance do I need?

When buying adequate coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that For example, these questions can help discover if your insurance needs might need an agent's assistance.

When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in North Dakota?
Does my policy cover my teen driver if they drive my company car?
Are my tools covered if they get stolen from my vehicle?
Does my personal policy cover me when driving my company car?
Am I covered when driving in Canada or Mexico?
What companies insure drivers after a DUI or DWI?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Learn more about car insurance in North Dakota

More detailed North Dakota car insurance information can be found at the North Dakota Insurance Department website. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, get help finding coverage, and view a list of available companies.

And the best car insurance company is...

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at the best price.

Budget-conscious car insurance can be sourced both online and also from your neighborhood Reynolds agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.