Tightwads Guide for Saving on Bismarck Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse.

Popular companies such as GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates at least once a year since insurance rates are constantly changing. Despite the fact that you may have had the best deal two years ago there may be better deals available now. Starting now, block out anything you think you know about auto insurance because it's time to teach you the proper way to reduce your cost while increasing coverage.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Buying car insurance in Bismarck is quite easy. Nevertheless, Missouri vehicle owners do need to know how insurance companies compete online and take advantage of how the system works.

Bismarck auto insurance quote

Save big with these discounts

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but some must be specially asked for before you will receive the discount.

  • Anti-theft System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Senior Discount - Older drivers may be able to get better auto insurance rates.
  • No Accidents - Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Payment Method - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class if it's offered in school.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance from them.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will reduce your overall premium however.

For a list of providers who offer auto insurance discounts in Bismarck, follow this link.

Compare the Market for Auto Insurance in Bismarck

There are several ways of comparing rate quotes from auto insurance companies in your area. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method prevents you from having to do multiple quote forms for each company. Completing one form will get you rate comparisons from multiple low-cost companies.

A less efficient way to get quotes online requires you to visit the website for each individual company to request a price quote. For sake of this example, we'll assume you want to compare rates from , and . You would have to spend time on each company's site and enter your policy data, which is why the first method is more popular. To view a list of companies in Bismarck, click here.

The least efficient method to get comparison rates is to drive around to and from local Bismarck insurance agencies. Buying insurance online makes this process obsolete unless you require the professional guidance of a licensed agent. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Whichever way you use, compare exactly the same coverage information for each price quote. If each company quotes unequal deductibles or liability limits it's impossible to truly determine the lowest rate in Bismarck. Just a small difference in coverage limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Affordable insurance is out there

When buying insurance coverage, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Cost effective auto insurance can be bought on the web and also from your neighborhood Bismarck agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.