8 Ways to Save on Auto Insurance in Garrison, ND
Finding the lowest price for Garrison auto insurance can be complicated if you are a beginner to online quotes. Don’t let that stop you because using the internet to shop for auto insurance is actually quite easy.
Finding Auto Insurance in Garrison
Getting better auto insurance pricing can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer to compare quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
- One of the best ways to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form keeps you from doing boring form submissions to each individual auto insurance company. One simple form will return quotes from several companies. It’s the fastest way to compare.
- Another way to find lower rates consists of going to the website for each individual company and complete a new quote form. For instance, let’s say you want comparison quotes from USAA, State Farm and Travelers. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular.
To view a list of companies in Garrison, click here.
- The least recommended way of getting rate comparisons is to drive around to different agent offices. The internet makes this process obsolete unless you have a need for the personal advice of a local agent. However, consumers can get prices online but still have the advice of a local agent and we’ll talk about that later.
It’s up to you which method you use, but double check that you are using the exact same coverages for every company. If you have mixed coverages it’s not possible to determine the best price in Garrison.
Are you getting all your discounts?
Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.
- Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
- Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Club Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.
Specifics of your auto insurance policy
Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as X-ray expenses, hospital visits, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as hail damage, hitting a bird, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage – This coverage covers damage to your vehicle from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims like backing into a parked car, rolling your car, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Auto liability insurance – This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. North Dakota state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy better liability coverage.
Uninsured or underinsured coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many North Dakota drivers only purchase the least amount of liability that is required (25/50/25 in North Dakota), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Consumer auto insurance information in North Dakota
More tips and info about auto insurance is available at the North Dakota Insurance Department website. Consumers can learn about specific coverages, view agent and company licensing information, find a variety of consumer forms, and read enforcement actions against agents and companies.
Other useful links include this link for North Dakota coverage information and QuoteClickSave.com.