Cheap North Dakota Auto Insurance

Most people are finding that their car insurance policies are a little too expensive. You really don’t have to pay a lot of money for one, as there are plenty of options for cheap car insurance in North Dakota. While it’d be nothing short of a pain to find these quotes going from site to site, we make it easy with our free quote tool. It’s easy to use and has offerings from some of the top rated companies in the industry.

If you’re going to find something impressive in cheap North Dakota auto insurance, you’ll need to understand the laws in the state. The state of North Dakota requires all insurance companies to make sure their policy holders carry the required insurance policies. North Dakota residents must carry liability, uninsured, underinsured and personal injury protection coverage. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state.

North Dakota insurance companies can use your credit history without obtaining your permission to accept applicants, set insurance rates, and determine which services they will provide as well as determining your method of payment such as monthly, annually, or every 6 months. They may also use your credit score to determine your insurance risk score, constituting one of the biggest criteria to determine whether or not a person will receive cheap auto insurance in North Dakota. Many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, driving record, where you live and your marital status.

Since North Dakota is a No Fault state, each individual’s insurance policies are responsible for covering injuries and property damages for that individual and their passengers. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in North Dakota as of 2006 is approximately $530.00 and the state is ranked as the 50th most expensive state for insurance premiums in the nation, easily making it one of the easiest states to find cheap auto insurance in North Dakota.

One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Also, even some of the newest drivers can receive cheap North Dakota auto insurance. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of North Dakota are listed below.

1. 1992 Chevrolet C/K 1500 Pickup
2. 2003 Chevrolet Cavalier
3. 1992 Pontiac Grand Prix
4. 1988 Oldsmobile Cutlass
5. 1993 Pontiac Grand Am
6. 1992 Ford Taurus
7. 1995 Ford F150
8. 1994 Ford Ranger
9. 1995 Chevrolet Blazer
10. 1991 Ford Explorer

Even if you may not think you’re able to receive cheap auto insurance in North Dakota – you may be surprised. Our free quote tool is one that can adequately match many people with something that they genuinely love. If you’re looking for a way to save some money, you may find that your auto insurance policy can cost less than it does. Give our quote tool a try!

Useful links:
North Dakota Division of Motor Vehicles
North Dakota Division of Insurance
North Dakota Department of Revenue

Bodily Injury Liability Insurance Per Person: $25,000.00 Limit
Bodily Inury Liability Insurance Per Accident: $50,000.00 Limit
Property Damage Liability Insurance: $25,000.00 Limit
Personal Injury Liability Insurance: $30,000.00 Limit
Uninsured Coverage: $25,000.00/$50,000.00 Limits
Underinsured Coverage: $25,000.00/$50,000.00 Limits

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