6 Discounts Draper Consumers Forget when Buying Car Insurance

Searching for affordable Draper car insurance on the internet can be rather challenging for consumers new to comparing rates online. Because there are so many online companies, how can you even start to compare the different rates to find the best pricing?

It's important to check car insurance prices quite often since rates are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied before being credited.

Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Accident Waiver - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Passive Restraint Discount - Factory air bags or automatic seat belts may earn rate discounts up to 30%.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

For example, these questions may help you determine whether your personal situation might need an agent's assistance.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to say the same thing that you can save if you move to them. How does each company make the same claim?

Insurance companies have a preferred profile for the type of driver that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will have to pay higher prices which usually ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can make the claims of big savings.

Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

More information can be read on the South Dakota Division of Insurance website located here. Consumers can view agent and company licensing information, learn about insurance regulations, and view a list of available companies.

Shop smart and save

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, unfair underwriting practices and even policy cancellation. No matter why you want to switch, choosing a new insurance company is less work than it seems.

You just learned a lot of tips how to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the lesser-known companies.