Free Guide to Saving Money on Wimbledon Auto Insurance Online

No one looks forward to buying auto insurance, particularly when they are paying too much.

You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around periodically because prices are constantly changing. Just because you found the best deal last year you will most likely find a better rate today. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.

Save big with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount.

Early Switch Discount - A few companies offer discounts for buying a policy prior to your current policy expiring. It's a savings of about 10%.
Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
E-sign - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Resident Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Low Mileage - Fewer annual miles can qualify you for a substantially lower rate.

It's important to note that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help highlight if your situation might need an agent's assistance.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in North Dakota?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Wimbledon?
Does my personal policy cover me when driving my company car?
Is my dog or cat covered if injured in an accident?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance ads bend the truth

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads have a common claim that you can save after switching your coverage to them. How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a preferred risk might be between the ages of 30 and 50, a clean driving record, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Drivers who fall outside these standards will be charged higher premiums and this can result in the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much money. That is how insurance companies can advertise the savings.

That is why you should get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

Additional North Dakota consumer information

More information is available on the website for the North Dakota Insurance Department through this link. Visitors are able to learn about specific coverages, file complaints about a company, get help finding coverage, and read enforcement actions against agents and companies.

Do the work, save more money

We covered a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies often have lower prices on specific markets than their larger competitors like .

Lower-priced auto insurance can be sourced both online as well as from independent agents in Wimbledon, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.