8 Discounts Towner Consumers Forget when Shopping for Car Insurance

No one looks forward to paying for car insurance, especially when they are paying too much.

Big companies like GEICO and Progressive persitently shower you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates periodically since rates are constantly changing. If you had the best rates last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance on the internet, so I'm going to show you some great ways to reduce your car insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates in Towner is quite easy. Nevertheless, North Dakota car owners do need to know how big insurance companies determine prices.

Towner Car Insurance Comparisons

All major car insurance companies quote coverage prices on their websites. Getting quotes is pretty painless as you just type in your personal and coverage information as detailed in the form. After the form is submitted, their rating system will obtain information on your driving record and credit history and returns a price quote determined by many factors. Online quotes helps simplify price comparisons, but the time required to go to many different websites and complete many quote forms gets old quite quickly. But it's very important to do this if you are searching for the best price on car insurance.

There is an easier way!

The preferred way to compare rates is to use a quote form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable. After sending your information, it is quoted and you are able to buy your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

To find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This makes sure you're receiving a fair comparison for the exact same coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Federal Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
55 and Retired - If you're over the age of 55, you can possibly qualify for better car insurance rates.
No Accidents - Good drivers with no accidents pay less as compared to accident-prone drivers.
Drive Less and Save - Keeping the miles down could qualify for lower rates on the low mileage vehicles.

It's important to understand that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will reduce the cost of coverage.

To choose companies with the best car insurance discounts in Towner, follow this link.

How can GEICO, State Farm and Progressive save drivers who switch?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to say the same thing of big savings if you move to their company. How can each company make the same claim?

Insurance companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured could be between 30 and 50, a clean driving record, and has great credit. Any new insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That is how insurance companies can confidently advertise the savings.

Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Tailor your coverage to you

When buying coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you might need professional guidance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in North Dakota?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Additional car insurance information can be read on the website for the North Dakota Insurance Department located here. Consumers can view agent and company licensing information, find out industry alerts, download brochures, and read consumer alerts.

Shop smart and save

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, someone dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at a price you can afford.

You just learned a lot of information how to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the best prices are with a small local company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as .