Oakes, ND Auto Insurance For Less Than You’re Paying Now

Are you overwhelmed by the sheer number of auto insurance options in Oakes? You’re not alone. You have so many choices that it can quickly become a real challenge to locate the lowest price.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested prior to getting the savings.

• Organization Discounts – Being a member of a professional or civic organization may earn a discount when shopping for auto insurance.
• Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Driver Safety – Taking a course in driver safety can save you 5% or more if you qualify.
• Military Rewards – Having a deployed family member could be rewarded with lower premiums.
• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
• Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
• Senior Citizens – If you qualify as a senior citizen, you may be able to get better auto insurance rates.
• Discount for New Cars – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will cut your overall premium however.

For a list of companies with discount auto insurance rates in Oakes, click here to view.

Beware of misleading auto insurance ads

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies say the same thing about savings if you change your coverage to them. How do they all make the same claim?

Insurance companies have a preferred profile for the type of driver that makes them money. A good example of a preferred risk might be profiled as over the age of 50, has no driving citations, and has great credit. A driver that hits that “sweet spot” gets the lowest rates and most likely will save when switching.

Consumers who don’t meet these standards will have to pay higher prices which leads to business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently state the savings.

Because of the profiling, you need to get quotes from several different companies. It’s not possible to predict which auto insurance company will give you the biggest savings.

Learn more today

Additional auto insurance information is available on the North Dakota Insurance Department website through this link. North Dakota consumers can find out industry alerts, find disaster information, and read industry bulletins.

One last thing about your coverage

Budget-conscious auto insurance is available from both online companies in addition to many Oakes insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you shop your coverage around, do not buy less coverage just to save a little money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We just covered some good ideas how you can lower your auto insurance rates. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the lesser-known companies.