Car Insurance in Williston - 8 Discounts to Save Money

Sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in North Dakota.

You have multiple to buy insurance from, and even though it's nice to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the best deal last year you will most likely find a better rate today. So forget all the misinformation about car insurance because we're going to show you the only way to remove unneeded coverages and save money.

Buying the lowest cost protection in Williston is simple if you know the tricks. In a nutshell, every vehicle owner who carries car insurance will be able to reduce their rates. Although North Dakota car owners do need to know how the larger insurance companies price insurance differently and take advantage of how the system works.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply.

New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Drive Less and Save - Fewer annual miles can qualify you for better rates on cars that stay parked.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

Is there truth in advertising?

Car insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to them. How does each company make the same claim? This is how they do it.

All companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, has no tickets, and has great credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher rates which leads to business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the savings.

Because of the profiling, 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 is available on the website for the North Dakota Insurance Department. Click here for link. Consumers can file complaints about an insurance agent or broker, view a list of available companies, learn about insurance regulations, and read consumer alerts.

Do the work, save more money

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price.

The cheapest car insurance can be purchased from both online companies and with local Williston insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.