Getting Low-Cost Roundup Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are a lot of people in Roundup just like you who feel imprisoned by their car insurance policy.

With consumers having so many insurance companies to choose from, it can be diffult for consumers to locate the cheapest company.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Just because you found the best rates a couple years back you will most likely find a better rate today. There is a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

Finding affordable coverage in Roundup is easy if you know what you're doing. In a nutshell, every driver who is required by state law to have car insurance will most likely be able to lower their premiums. But Montana consumers do need to know the way insurance companies sell online.

How much can you save with discounts?

Companies that sell car insurance don't list every available discount very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Resident Student - Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • E-sign - Certain companies may give you up to $50 for buying a policy and signing up online.
  • Clubs and Organizations - Being a member of a professional or civic organization is a good way to get lower rates on your policy.
  • No Accidents - Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

Roundup car insurance quote

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads make an identical promise that you'll save big after switching to their company. But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be a mature driver, has no driving citations, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be charged more money and ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can advertise the way they do. That is why you should get quotes from several different companies. You cannot predict which car insurance company will provide you with the cheapest rates.

More detailed Montana car insurance information can be read at the Montana Commissioner of Securities and Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, learn about insurance regulations, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Roundup agent directory.

Final considerations

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Discount car insurance can be sourced both online and also from your neighborhood Roundup agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just presented many tips how you can reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like .