Cheap Insurance for a Toyota Corolla in North Dakota

The odds of finding the best cheap insurance for a Toyota Corolla in North Dakota hinges on many different factors like whether you are single or married, whether or not you are currently insured, and physical damage deductibles. Drivers pay around $780 each year to buy Toyota Corolla insurance, but that amount is an estimate that uses a 40-year-old single male that wants full coverage and $1,000 physical damage deductibles.

There is a really good chance that you are not 40 and possibly not even male, maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. Changing even a minor factor in rating criteria can cause large differences in the coverage rate.

Car insurance coverage is unique to each driver, so this is why the only real way to find affordable rates for your Toyota is to take your time and compare rates from as many companies as possible. Quotes only take a couple of minutes and you will receive rate quotes from some of the best companies that sell coverage in North Dakota.

Compare Rates and Save

Vehicle trim level tends to have a direct effect on the coverage cost, so the price you will pay to insure a Corolla LE will cost $18 less than the cost to insure the fancier Corolla XRS model, as demonstrated by the prices below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in garaging location in North Dakota which can increase or decrease prices substantially.

Finding cost effective auto insurance is hard enough, and determining which insurers offer the cheapest car insurance rates for a Toyota Corolla takes even more diligence.

Every insurance company has their own process to establish rates, so we’ll take a look at the car insurance companies with the most affordable rates in North Dakota.

Find Cheaper Car Insurance for Your Corolla

Click to Compare Rates Now

USAA generally has some of the lowest car insurance rates in North Dakota at around $704 a year. Allied, Nodak Mutual, Grinnell, and State Farm would also be considered some of the cheaper North Dakota auto insurance companies.

As shown in the rates above, if you are a customer of Nodak Mutual and switched to USAA, you might see an annual savings of approxmiately $242. Policyholders with Grinnell could save as much as $366 a year, and State Farm policyholders might reduce prices by as much as $404 a year.

Understand that those rates are averages across all insureds and vehicles and are not factoring in a specific rate value for a Toyota Corolla. So the auto insurance company that fits your needs best may not even be shown in the list of companies shown earlier. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.

Get discounts on North Dakota car insurance rates

Insurance providers that provide cheap insurance for a Toyota Corolla in North Dakota may also provide premium discounts that could potentially reduce rates by 25% or more if you qualify for them. The best car insurance companies and some of the premium reductions they offer can be read below.

• 21st Century may have discounts that include air bags, theft prevention, student driver, teen driver, and anti-lock brakes.
• State Farm offers premium reductions for multiple policy, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, accident-free, passive restraint, and student away at school.
• AAA includes discounts for multi-car, anti-theft, education and occupation, pay-in-full, and AAA membership discount.
• Liberty Mutual has savings for multi-policy, newly retired, newly married, multi-car, safety features, and exclusive group savings.
• Progressive may include discounts for continuous coverage, online quote discount, homeowner, good student, and multi-policy.

The illustration below compares auto insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, North Dakota state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, marriage, vehicle safety, accident-free, anti-theft, and multiple vehicle discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for a Toyota Corolla is 28% or $580.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3095,2229],[‘Age 30’, 2141,1551],[‘Age 40’, 1983,1437],[‘Age 50’, 1733,1257],[‘Age 60’, 1677,1217],[‘Age 70’, 1955,1411]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Toyota Corolla’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The illustration below shows how different deductible levels can raise or lower insurance costs when getting quotes for cheap insurance for a Toyota Corolla. Data assumes a married female driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2429,2215,1969,1739],[‘Age 30’, 1707,1549,1371,1201],[‘Age 40’, 1687,1533,1361,1199],[‘Age 50’, 1477,1345,1197,1057],[‘Age 60’, 1405,1279,1137,1003],[‘Age 70’, 1523,1387,1237,1095]]);var options = {title: ‘Deductible Levels and Toyota Corolla Insurance Rates in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could reduce rates by $280 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $420 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $690 every year by choosing a larger deductible amount.

If you do raise deductibles, it will now be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to get cheap insurance for a Toyota Corolla in North Dakota

Lowering your rates is not difficult, and here are some penny-pinching ideas that can help you buy lower-cost car insurance.

• Drive attentively and avoid accidents
• Drop full coverage on older vehicles
• Safer vehicles cost less to insure
• Save money by obeying traffic laws and keeping a clean driving record
• Bundle home or renters insurance to earn a discount on car insurance
• Avoid filing small claims
• Compare rates and switch if you can find a better deal

The last suggestion is extraordinarily significant, as was emphasized in the article above. Auto insurance prices fluctuate constantly, so don’t be hesitant to buy from a new company if a lower price can be found. Many drivers prefer to stick with one company, but it isn’t a good idea if that stubbornness costs you a lot of money. In less than five minutes you could shop around and find cheaper auto insurance for a Toyota Corolla.

Cheapest Toyota Corolla insurance quotes

Drivers have a lot of different ways to shop around for car insurance in North Dakota, but the most common are through an independent insurance agent, a captive (or exclusive) agent like State Farm or Allstate, or direct online or over the phone from a company like Progressive or Geico.

All three ways can provide car insurance quotes, but each is different in how they provide rate quotes.

Independent insurance agencies write business for many companies and can compare coverage rates with all of them. Agents of this type have the option to provide multiple price quotes, which may give you a better chance of saving money. If you are not satisfied with one company, your policy can be easily switched to a different company which prevents you from having to find a new agency.

An agent who is captive is only able to give prices for one insurance company, examples being Liberty Mutual and Allstate agents. Exclusive agents cannot give you multiple price quotes, so smart shoppers will want to get additional comparison quotes.

The third way to buy car insurance is direct which means you skip the middleman (the agent) and buy from a direct company like Esurance or Progressive. This car insurance option can be good for drivers who do not need advice for risk management and have a decent understanding of what coverage limits and deductibles they need.

Out of those three methods, which one works best for finding cheap insurance for a Toyota Corolla in North Dakota? The majority of car insurance shoppers assume that buying from a direct company yields the cheapest rates since no commissions are paid to an agent, but that does not always hold true. A good argument could also be made that going through an independent agent can save the most money because you have more choices, but that assumption is also not necessarily accurate. And occasionally, exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Due to that fact that car insurance uses so many rating variables, really the only way to make sure you’re not overpaying for car insurance is to get rate quotes and compare. Industry experts recommend getting price quotes all three ways to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.

Which auto insurance company is best?

When it comes to insurance for a Corolla in North Dakota, four companies to definitely compare rates with are State Farm, Geico, Allstate, and Progressive. When added together, they make up nearly half of all auto insurance policies in force. The table below compares and contrasts some of the different features offered by each one.