Who Has the Cheapest Car Insurance with Multiple Speeding Tickets in North Dakota?

One of the key components that auto insurance companies use when figuring car insurance rates is where you keep your car. Regions with more people or even just more weather-related claims like Belcourt, Carrington, and Bottineau are more likely to pay higher prices, whereas more rural areas benefit from lower coverage costs.

The next table sorts the higher priced cities in North Dakota with multiple speeding tickets to buy car insurance in.

Rates are comparative as the specific zip code location can raise or lower insurance rates substantially.

Finding out which companies offer the lowest-priced auto insurance rates with multiple speeding tickets involves a bit more effort in order to find a policy that fits your budget. Every auto insurer has a proprietary formula to set premium rates, so let’s rank the most affordable auto insurance companies in North Dakota.

Best Cheap Insurance Rates with License Points

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USAA may have some of the lowest car insurance rates in North Dakota at around $704 each year. Allied, Nodak Mutual, Grinnell, and State Farm also qualify as some of the cheaper North Dakota car insurance companies.

In the above rates, if you currently buy coverage from State Farm and switched to Allied, you could realize an annual savings of approxmiately $230. Insureds with Safeco might save as much as $244 a year, and Progressive customers might realize rate reductions of up to $382 a year.

It’s important to note that these prices are averages for all drivers and vehicles and are not factoring in a rate discount with multiple speeding tickets. So the auto insurance company that is best suited for you may not even be in the company chart above. That points out the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Full coverage rates compared to liability only

Finding the cheapest auto insurance with multiple speeding tickets in North Dakota is the goal of the majority of vehicle owners, and an easy way to find cheap insurance is to buy only liability coverage. The example below shows the comparison of insurance costs when comparing full coverage to liability only. The rates are based on no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.

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As an overall average, physical damage coverage costs $2,368 per year more than buying just liability insurance. That may make you wonder if buying full coverage is worth the expense. There isn’t a written rule to drop physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

Bad driving habits will cost you more

The obvious way to obtain the most affordable auto insurance prices after a few driving violations is to drive safe and avoid accidents and traffic citations. The illustration below demonstrates how citations and at-fault collisions can increase auto insurance costs for different ages of insureds. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3203,3477,5831],[‘Age 30’, 1675,1949,4305],[‘Age 40’, 1615,1885,4243],[‘Age 50’, 1475,1749,4107],[‘Age 60’, 1451,1723,4079],[‘Age 70’, 1671,1943,4303]]);var options = {title: ‘Accidents, Violations, and North Dakota Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of an auto insurance policy in North Dakota per year with a clean driving record and no accidents is $1,848. Factor in one speeding ticket and the average cost swells to $2,121, an increase of $273 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance with multiple speeding tickets jumps again to an average of $4,478. That’s an increase of $2,630, or $219 per month, just for not being attentive to the road!

Find the cheapest auto insurance with multiple speeding tickets in North Dakota

The list below summarizes some of the better money-saving solutions that can help North Dakota drivers get more affordable car insurance.

• Ensure your driving record is clean
• Drive vehicles with five-star safety ratings
• Try to pay small claims out-of-pocket
• Accidents can significantly increase rates
• Multi-policy discounts save money
• Shop around for lower rates once a year

The last tip is highly critical, as was emphasized in the prior article. Prices charged by companies in North Dakota can be changed at any time, so don’t be tentative to buy from a new company if a cheaper price is available.

We understand brand loyalty, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. In just a few minutes you could compare rates and find cheaper car insurance with multiple speeding tickets.