Robinson Car Insurance For Less Than You're Paying Now

Finding lower premiums on Robinson car insurance is difficult for consumers new to shopping for insurance online. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find lower rates in Robinson.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Some trigger automatically when you quote, but some may not be applied and must be asked for before you get the savings.

  • Seat Belt Usage - Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Passive Restraints and Air Bags - Cars that have air bags can qualify for discounts of 20% or more.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Policy Discount - If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your overall premium however.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all have a common claim about savings if you switch to them. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the type of driver that earns them a profit. A good example of a driver they prefer might be between 25 and 40, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium and this can result in the customer not buying. The ads state "drivers who switch" not "people who quote" save money. That's why companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Additional information can be read on the North Dakota Insurance Department website. Click here for link. Visitors are able to find a variety of consumer forms, download brochures, and find out industry alerts.

Affordable insurance is out there

Drivers switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, poor customer service and even unfair underwriting practices. No matter why you want to switch, switching car insurance companies is less work than it seems.

We just covered a lot of ways to reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a smaller regional carrier.

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.