Best Cheap Auto Insurance Quotes for Safe Drivers in North Dakota

The words “low-cost” and “insurance” really should not be used together, in particular when trying to find the lowest insurance prices for safe drivers. Because it’s so expensive, let’s go over a few of the factors that influence insurance premiums, and find out if you can take a little off the next policy you buy.

The vehicle model needing coverage is one of the largest factors that determines the availablility of cheaper car insurance for safe drivers. Vehicles with average performance, an excellent safety record, or a track record of few liability claims will cost less to insure than high performance models. The information below illustrates insurance premiums for a handful of the cheapest automobiles to insure in North Dakota.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in specific location information which can increase or decrease prices considerably.

Looking at the data, vehicles like the Toyota Prius, Ford Explorer, Honda Accord, and Ford Edge will definitely be some of the cheaper vehicles to insure for good drivers.

Deciding which company quotes the most affordable car insurance rates for safe drivers will involve more time in order to find a policy that fits your budget. Each insurer has their own guidelines for determining rates in each state, so let’s take a look at the car insurance companies with the overall best prices in North Dakota.

It’s a good idea to know that North Dakota car insurance rates are determined by lots of factors that control the policy premium. Simply having a birthday, filing a claim, or getting into an accident can produce rate changes resulting in some companies being affordable when they were higher priced.

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USAA may have some of the cheapest car insurance rates in North Dakota at around $732 a year. Allied, Nodak Mutual, Grinnell, and Safeco also rank well as some of the best North Dakota car insurance companies.

In the above rates, if you currently have a policy with Grinnell and switched to Allied, you could realize an annual premium reduction of roughly $116. Customers with Safeco might save as much as $222 a year, and State Farm insureds might lower prices by up to $230 a year.

To find the best cheap auto insurance for safe drivers in North Dakota for your vehicle, click here to start a quote or click through to the companies below.

It’s important to note that these estimates are averaged across all insureds and vehicles and do not factor in a price discount for safe drivers. So the company that has the cheapest price for you may not even be included in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Price comparison of only insuring for liability

Finding the best cheap auto insurance for safe drivers in North Dakota is important to the majority of drivers, and one common way to find cheap insurance is to not insure for full coverage. The chart below shows the difference between premium costs with and without full coverage. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

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If we average all the age groups together, physical damage coverage costs an additional $1,275 per year more than just buying liability insurance. At some point, almost every driver questions if it’s a good idea to buy full coverage. There is no definitive formula for excluding comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.