Cheap Auto Insurance for Unemployed Drivers in North Dakota

The words “low-cost” and “insurance” probably shouldn’t be used together, especially when comparison shopping for the cheapest coverage for unemployed drivers. In an attempt to save some money, let’s familiarize you with some things that have a considerable impact on auto insurance prices, and figure out some ways to lower the price of your next policy.

The model of vehicle that needs insurance is one of the primary factors when shopping for cheap car insurance for unemployed drivers in North Dakota. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more modest models. The data below illustrates car insurance prices for some of the cheapest vehicles to insure in North Dakota.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific location which can impact auto insurance rates greatly.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates substantially.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can affect price quotes greatly.

Finding out which company offers the most affordable car insurance rates for unemployed drivers calls for a bit more effort in order to find the most economical policy. Each auto insurance company has their own guidelines for establishing rates, so we need to take a look at the car insurance companies with the most affordable rates in North Dakota.

It’s a good idea to be aware that North Dakota car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply having a birthday, having a teen driver, or getting a couple of tickets can produce rate changes that can cause some rates to be affordable when they were higher priced.

Best Auto Insurance Prices for Job Seekers

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USAA may have some of the best car insurance rates in North Dakota at around $725 each year. Allied, Nodak Mutual, Grinnell, and State Farm would also make the list of some of the best North Dakota auto insurance companies.

In the above rates, if you have coverage with Grinnell and switched to USAA, you may see a yearly savings of upwards of $345. Insureds with State Farm might save as much as $383 a year, and Safeco policyholders might reduce rates by $409 a year.

If you want to see how much you could save, click here to start your free quote or quote rates from the companies below.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and do not take into consideration a rate discount for unemployed drivers. So the insurer that is best suited for you may not even be in the above list. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

How to get discounts on North Dakota auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-unemployed-drivers-nd.jpg" alt="Cheaper North Dakota car insurance for the unemployed”/>Insurance providers that offer cheap car insurance for unemployed drivers in North Dakota could also offer special discounts that could potentially reduce rates by as much as 40% or more if you qualify for them. The best car insurance companies and a partial list of their discounts are outlined below.

• GEICO may have discounts that include multi-vehicle, good student, federal employee, defensive driver, and driver training.
• Travelers policyholders can earn discounts including driver training, early quote, continuous insurance, home ownership, save driver, IntelliDrive, and student away at school.
• Nationwide offers discounts including good student, family plan, defensive driving, business or organization, easy pay, and accident-free.
• Farmers Insurance discounts include alternative fuel, good student, switch companies, business and professional, mature driver, and electronic funds transfer.
• Esurance offers premium reductions for good student, multi-car, claim free, online shopper, Switch & Save, good driver, and emergency road assistance.
• State Farm has savings for defensive driving training, student away at school, safe vehicle, accident-free, good driver, and Steer Clear safe driver discount.
• Progressive may offer discounts for multi-policy, online quote discount, continuous coverage, multi-vehicle, homeowner, online signing, and good student.
• Mercury Insurance offers discounts for good driver, location of vehicle, low natural disaster claims, anti-theft, multi-policy, and professional/association.

The information below visualizes the comparison of insurance premiums with and without discounts applied to the policy premium. The prices are based on a female driver, a clean driving record, no claims, North Dakota state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, anti-theft, accident-free, claim-free, homeowner, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for unemployed drivers is 28% or $377.

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Choosing the best auto insurance provider can be difficult considering how many choices drivers have in North Dakota. The information listed below may help you choose which car insurance companies to look at comparing rate quotes with.

The ratings below include large, nationwide insurance companies, so smaller companies that only insure vehicles in North Dakota are not included in these rankings. If you wish to compare prices from many more North Dakota auto insurance companies, click here.

Top 10 Major Auto Insurance Providers 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 Major Auto Insurance Providers in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

Best rates: State Farm, Allstate, Geico, or Progressive

If you want the best car insurance for the unemployed in North Dakota, the four most popular companies are State Farm, Allstate, Geico, and Progressive. All of them offer liability and physical damage protection, but each on has unique options and discounts that may steer you one way or another. The following table ranks some of the different options and features offered by each company.