Sick and tired of paying out the nose to pay high auto insurance rates every month? You’re in the same situation as many other North Dakota consumers. Due to the increasing number of auto insurance companies to choose from, it can be impossible to choose a more affordable auto insurance provider.
Earn discounts to get lower-cost North Dakota auto insurance quotes
Car insurance companies don’t list the entire discount list very well, so the following is a list of both well-publicized in addition to some of the lesser obvious auto insurance savings.
- Professional Memberships – Participating in a qualifying organization can get you a small discount on your bill.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Low Mileage Discounts – Driving fewer miles could qualify for substantially lower rates.
- Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- Save with a New Car – Buying a new car instead of a used car can cost up to 25% less since newer models have better safety ratings.
- Resident Student – Kids who live away from home at college and do not take a car to college could get you a discount.
You should keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut the premium cost.
A list of auto insurance companies and their offered discounts can be read below.
- 21st Century offers discounts including good student, air bags, teen driver, homeowners, and 55 and older.
- Progressive offers premium reductions for good student, homeowner, online signing, multi-policy, and continuous coverage.
- State Farm may have discounts that include good driver, multiple policy, student away at school, multiple autos, defensive driving training, and accident-free.
- Nationwide has savings for accident-free, anti-theft, good student, easy pay, and multi-policy.
- Esurance includes discounts for emergency road assistance, DriveSense, online quote, multi-car, multi-policy, safety device, and homeowner.
- The Hartford may offer discounts for bundle, vehicle fuel type, air bag, defensive driver, driver training, anti-theft, and good student.
If you want , ask every prospective company what discounts are available to you. All car insurance discounts may not apply to policyholders in your area.
Tailor your auto insurance coverage to you
When buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.
- What happens if I owe more than my vehicle is worth?
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage when using my vehicle for my home business?
- When should I remove comp and collision on my vehicle?
- Do I need PIP coverage since I have good health insurance?
- Is my cargo covered for damage or theft?
- Why am I required to buy high-risk coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- What can I do if my company denied a claim?
- Why does it cost so much to insure a teen driver in Parshall?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.
Coverages available on your policy
Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Collision coverage pays for damage to your vehicle caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a ditch, scraping a guard rail, crashing into a building, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25 in North Dakota), their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability car insurance
Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as medical services, legal defense fees and attorney fees. How much coverage you buy is up to you, but consider buying higher limits if possible. North Dakota requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more liability than the minimum.
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like hitting a deer, vandalism, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Learn more about auto insurance in North Dakota
Additional auto insurance information can be found on the North Dakota Insurance Department website found here. North Dakota consumers can find out industry alerts, learn about insurance regulations, find out which companies have the most complaints, and download brochures.
More comparisons equals lower rates
We just presented many tips how you can lower your auto insurance premium rates. It’s most important to understand that the more you , the better your chances of lowering your prices. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. They may only write in your state and offer lower prices as compared to the big name companies such as GEICO and State Farm.
Budget-conscious auto insurance is available on the web as well as from independent agents in Parshall, so you need to with both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these smaller providers only sell coverage through independent agencies.