Top Ways to Save on Stevensville Car Insurance

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

You have multiple to buy insurance from, and even though it's nice to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons at least once a year due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because we're going to demonstrate one of the best ways to reduce your cost while improving coverage.

Buying car insurance in Stevensville is easy if you know what you're doing. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. But Montana consumers do need to know the methods companies use to compete online and apply this information to your search.

Take advantage of discounts

Companies do not advertise all their discounts very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using.

Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Homeowners Discount - Owning a house in Stevensville can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Military Rewards - Being on active duty in the military may qualify for rate reductions.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, companies don't profit that way.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to make an identical promise that you'll save big after switching to them. How does each company claim to save you money?

Different companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured might be over the age of 40, has no tickets, and drives newer vehicles. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save money. That's the way companies can claim big savings. Because of the profiling, you should get a wide range of price quotes. You cannot predict which car insurance company will give you the biggest savings.

More detailed Montana car insurance information can be found at the Montana Commissioner of Securities and Insurance website. Visitors are able to get help finding coverage, discover disciplinary actions, read enforcement actions against agents and companies, and read consumer alerts.

Do the work, save more money

Discount car insurance can be bought both online and with local Stevensville insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.