Best Cheap Auto Insurance Quotes for Active Military in North Dakota

The words “low-cost” and “insurance” really don’t belong together, specifically when shopping around for the best insurance rates for active military. Because it’s not cheap, let’s take a look at some situations that can significantly affect auto insurance rates, and come up with some ideas to take a little off the next policy you buy.

The make and model of vehicle that is being insured is one of the largest factors when shopping for the best cheap auto insurance for active military in North Dakota. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models.

The next table features car insurance rates for a number of the cheapest automobiles to insure in North Dakota.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in zip code location which can lower or raise prices greatly.

Looking at the numbers, you can see that vehicles like the Honda CR-V, Chevrolet Traverse, Ford F-150, and Ford Escape are most likely going to be some of the most economical vehicles to insure for military personnel.

Deciphering which company has the best car insurance rates for active military will take a bit more effort than just getting one or two price quotes. Each insurance company has a proprietary formula for filing rates in each state, so we’ll go over the most budget-friendly car insurance companies in North Dakota.

It’s important that readers know that North Dakota car insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Simply improving your credit, moving across town, or getting a ticket for running a stop sign can produce rate changes that can make some companies cheaper than competitors.

Lowest Insurance Price Quotes for Military

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USAA offers some of the lowest car insurance rates in North Dakota at around $732 a year. Nodak Mutual, Allied, Grinnell, and State Farm would also make the list of some of the lowest-priced North Dakota auto insurance companies.

In the rate table above, if you currently buy coverage from Nodak Mutual and switched to USAA, you might realize a yearly price reduction of in the vicinity of $186. Insureds with Allied could save as much as $189 a year, and Grinnell insureds might realize rate reductions of up to $338 a year.

If you want to find out if you’re overpaying, click here or quote prices from the following companies.

Be aware that those prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a price discount for active military. So the company that fits your age and vehicle best may not even be featured in the above list. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Selecting the right insurance provider can be challenging considering how many different companies sell coverage in North Dakota. The ranking data below could help you pick which providers to look at purchasing from. The ratings below are for companies that insure vehicles across America, so smaller companies that only insure vehicles in North Dakota will not be included in the list.

Top 10 Large Car Insurance Companies in North Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Large Car Insurance Companies in North Dakota Ranked by Claims Service

1. Progressive
2. Liberty Mutual
3. Nationwide
4. USAA
5. GEICO
6. AAA Insurance
7. Safeco Insurance
8. Esurance
9. The General
10. Allstate

Cheapest car insurance: Progressive, State Farm, Geico, or Allstate

If you are looking for the best car insurance for military personnel in North Dakota, four good companies to start with are Progressive, State Farm, Geico, and Allstate. Combined they insure about half of all auto insurance written. The following table breaks down some of the ratings and options offered by each one.

Who has the cheapest insurance quotes for military personnel?

You have a lot of ways to compare car insurance prices in North Dakota, but the most prevalent methods are using a captive (or exclusive) agent like Allstate or Liberty Mutual, an independent agent, or direct either online or via phone. Each way has the same basic steps, but they are slightly different in how they provide rate quotes.

Independent agents can place your business with multiple companies and can get policy pricing from every one. These types of agencies are not restricted to one company and can provide multiple price quotes, which can give you the best shot at cutting your rates. If they find a cheaper price, they simply move your policy to a different company without you having to go to a different agency.

Exclusive agencies are ‘exlusive’ to one company such as a Farmers or Allstate agent. Exclusive agents are unable to compare rates from other companies, so always compare other rates.

Direct car insurance buyers forego either of the other two types of agents and buy from a direct company like Geico. This car insurance option is good for consumers who have little risk and know what limits they need.

Which method works best to buy the best cheap auto insurance for active military in North Dakota? It would be premature to say shopping direct results in the best prices since there isn’t an agent involved, but that generally is not the case. And we’d like to say going through an independent agent guarantees the lowest rates since they can provide multiple quotes, but that assumption is also not accurate. In many cases, exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, the best way to ensure you are not overpaying for car insurance is to get quotes and compare. The best approach is to get rate quotes from independent agents, exclusive agents, and direct companies to have a good selection of rates to choose from. For a list of companies with some of the cheapest North Dakota car insurance rates, click here to view.