9 Tips to Save on Car Insurance in Westhope

Are you tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and although it's nice to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices once or twice a year since rates are constantly changing. Despite the fact that you may have had the lowest price six months ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online, so I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few must be requested specifically before you will receive the discount.

Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
College Student - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Bundle and Save - If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
Clubs and Organizations - Being a member of a qualifying organization may earn a discount on car insurance.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Military Rewards - Being deployed with a military unit may qualify for rate reductions.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim about savings after switching to them. How does each company claim to save you money? It's all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. For instance, a desirable insured might be between 30 and 50, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money and this can result in the customer not buying. The ads state "customers who switch" not "everyone that quotes" save money. That's why companies can truthfully state the savings.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Additional information is located on the website for the North Dakota Insurance Department found here. Visitors are able to learn about insurance regulations, view a list of available companies, read enforcement actions against agents and companies, and view agent and company licensing information.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and learned later that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price.

We just covered a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the best prices are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as .