Who Has Cheap Car Insurance Quotes for College Graduates in North Dakota?

Wouldn’t this article be short if we could instantly tell you the best company that has the best rates for college graduates? It’s just not that simple, as there are a whole slew of unknowns like how much you actually drive in a year, if you are a renter or homeowner, if you need full coverage or just liability, and if your vehicle is considered high performance, that all impact the price you pay. We are going to cover the best ways to save money and will hopefully give you a good start in finding the cheapest insurance.

The type of vehicle that is being insured is one of the main factors when shopping for cheaper insurance for college graduates. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.

The next list features car insurance premiums for a selection of the cheaper vehicles to insure in North Dakota.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can decrease or increase coverage rates noticeably.

Looking at the numbers, models like the Hyundai Elantra, Chevrolet Silverado, Hyundai Tucson, and Kia Forte are most likely going to be the cheaper vehicles to insure for college grads.

When shopping for cheaper insurance for college grads, one of the many components that determine the price of your policy is where you call home in North Dakota. Areas with high crime rates or more dense population like Hazen, Bottineau, and Williston tend to have higher auto insurance costs, whereas areas with less congestion benefit from having to pay less for coverage.

The illustration below illustrates the higher priced cities in North Dakota for college graduates to purchase auto insurance in.

Premium costs are estimated as specific North Dakota garaging address can increase or decrease rates significantly.

The illustration below illustrates how your choice of deductibles can increase or decrease insurance prices when quoting cheap insurance for college graduates. The premiums are based on a married female driver, full coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2131,1943,1723,1517],[‘Age 30’, 1501,1363,1203,1049],[‘Age 40’, 1479,1345,1191,1045],[‘Age 50’, 1295,1179,1047,921],[‘Age 60’, 1237,1125,999,877],[‘Age 70’, 1327,1207,1075,951]]);var options = {title: ‘Effect of Deductibles on Insurance Rates in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

The chart above illustrates that a 30-year-old driver could cut expenses by $288 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $434 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, have the ability to save as much as $614 every year by choosing a higher deductible.

When increasing deductibles, it will be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

Discount North Dakota insurance rates

Car insurance companies that provide cheap auto insurance for college graduates in North Dakota may also provide discounts that could reduce prices by as much as 35% or more if you meet certain criteria. Companies and their offered discounts include:

• Progressive discounts include multi-policy, multi-vehicle, continuous coverage, good student, homeowner, and online signing.
• SAFECO offers premium reductions for anti-lock brakes, bundle discounts, safe driver, drive less, and teen safe driver.
• American Family may have discounts that include early bird, air bags, multi-vehicle, mySafetyValet, and defensive driver.
• MetLife policyholders can earn discounts including multi-policy, claim-free, accident-free, good driver, and defensive driver.
• GEICO may include discounts for defensive driver, seat belt use, driver training, air bags, and anti-lock brakes.
• The Hartford offers discounts for vehicle fuel type, good student, driver training, bundle, anti-theft, air bag, and defensive driver.

The information below compares insurance costs with and without policy discounts. The premiums are based on a female driver, no claims, a clean driving record, North Dakota state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, claim-free, anti-theft, homeowner, and passive restraint discounts applied. With discounts applied, the average savings per year on insurance for college graduates is 28% or $612.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3261,2345],[‘Age 30’, 2243,1625],[‘Age 40’, 2081,1505],[‘Age 50’, 1819,1317],[‘Age 60’, 1759,1273],[‘Age 70’, 2059,1485]]);var options = {title: ‘Insurance Rate Comparison with Discounts for College Graduates’,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 Auto Insurance Cost for Average Vehicle 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);}

Tips for buying more affordable insurance for college graduates

It is possible to find better rates, and here are some money-saving solutions that can help North Dakota drivers get low-cost car insurance.

• Save money by insuring older vehicles for liability only
• Vehicles with good safety ratings are usually cheaper to insure
• At-fault accidents will increase rates
• Improve your credit rating
• Bundle home and auto and save
• Compare rates and switch if you can find a better deal

The last item on the list is particularly vital, as we discussed in this article. Car insurance rates can change considerably in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if a better rate can be found. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that faithfulness ends up costing you hundreds of dollars a year. Now is a great time to compare prices and find cheaper car insurance for college graduates.