Who Has the Cheapest Car Insurance Quotes for Police Officers in North Dakota?

The car, truck, or SUV that needs insurance is one of the main factors when comparison shopping for the cheapest car insurance for police officers in North Dakota. Vehicles with economical engines, a plethora of safety features, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The next list illustrates car insurance costs for a number of the more afforable automobiles to insure in North Dakota.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in garaging location in North Dakota which can revise premium rates considerably.

Looking at the data, you can expect cars like the Honda CR-V, Toyota Prius, Jeep Wrangler, and Ford F-150 are the most budget-friendly vehicles to insure for law enforcement personnel.

Comparing rates for low-cost auto insurance is not the easiest thing to accomplish, and deciding which company quotes the cheapest auto insurance rates for police officers requires even more diligence. Premiums will more than likely be moderately cheaper than the average price in North Dakota, with the lower price attributed to the potential for less claims related to selling insurance for law enforcement personnel. Affordable coverage should be attainable from many preferred companies.
Every insurance provider has their own guidelines for establishing rates, so we’ll go over the auto insurance companies that tend to be cheaper in North Dakota.

It’s a good idea to know that North Dakota auto insurance rates are based on many factors that can increase the price of coverage. This price variation is why consumers need to compare as many rates as possible to find the most budget-friendly auto insurance quotes for police officers. Prices are calculated by many risk factors and change frequently, so the most economical option the last time you checked may now be quite expensive.

Best Cheap Insurance Rates for Law Enforcement

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USAA may have some of the lowest car insurance rates in North Dakota at around $725 a year. Allied, Nodak Mutual, Grinnell, and State Farm would also be considered some of the most economical North Dakota car insurance companies.

As the example above demonstrates, if you currently have coverage with Grinnell and switched to Allied, you might achieve an annual savings of upwards of $116. Drivers with State Farm could save as much as $242 a year, and Safeco customers might cut rates by $256 a year.

It’s important to note that these premium estimates are averaged across all drivers and vehicles in North Dakota and and are not calculated with a price discount for police officers. So the car insurance company that is best suited for you may not even be in the above rate chart. That affirms the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

For law enforcement personnel, one of the more important things that establish the amount you pay for auto insurance is where you choose to live. Areas with a lot of weather claims or more people like Hazen, Belcourt, and Devils Lake tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The information below sorts the higher priced cities in North Dakota for police officers to purchase auto insurance in.

Premium costs are comparative as the specific area where the vehicle is garaged can impact coverage prices substantially.

Drive safe and save

The obvious way to earn the best auto insurance prices in North Dakota for law enforcement personnel is to drive attentively and have a clean driving record. The illustration below highlights how traffic violations and at-fault collisions raise insurance costs for each different age group. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no other 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 One Accident’],[‘Age 20’, 2423,2641,3259],[‘Age 30’, 1683,1903,2519],[‘Age 40’, 1561,1781,2395],[‘Age 50’, 1367,1583,2201],[‘Age 60’, 1321,1539,2157],[‘Age 70’, 1537,1755,2369]]);var options = {title: ‘Violations, Accidents, 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);}

In the previous chart, the average cost of car insurance in North Dakota per year with a clean driving record and no accidents is $1,649. Factor in one speeding ticket and the average cost jumps to $1,867, an increase of $218 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for police officers goes up to an average of $2,483. That’s an increase of $835, or $70 per month, just for a couple of infractions!

Cost comparison with and without full coverage

Finding the cheapest car insurance for police officers in North Dakota is probably important to most vehicle owners, and one easy way to buy cheaper insurance is to not buy full coverage. The diagram below shows the difference between auto insurance rates when comparing full coverage to liability only. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2929,1215],[‘Age 30’, 1537,667],[‘Age 40’, 1501,619],[‘Age 50’, 1371,579],[‘Age 60’, 1333,569],[‘Age 70’, 1657,761]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in North Dakota’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

On average, comp and collision coverage costs $1,721 per year over and above liability coverage. At some point, almost every driver questions if buying full coverage is a waste of money. There isn’t a written rule of when to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

How to find cheaper insurance for police officers

Below you’ll find some of the recommended thrifty suggestions that can help you buy low-cost car insurance.

• Insure your home and auto with the same company
• On older vehicles, drop full coverage
• Prevent price hikes by avoiding at-fault accidents
• Try paying for small claims out-of-pocket
• The safer your car, the less it costs to insure
• Be a cautious driver
• Shop around for cheaper rates regularly

The last item on the list is especially critical, as was noted in the prior article. Coverage rates vary greatly, so don’t hesitate to change insurance companies if you find a cheaper price. We understand brand loyalty, but is isn’t recommended if it’s costing you several hundred dollars every year. Now is a great time to compare prices and find cheaper car insurance for police officers.

Who has the cheapest insurance quotes for law enforcement personnel?

There are quite a few ways to find affordable auto insurance in North Dakota, but the most preferred are through an independent or non-exclusive agent, a captive (or exclusive) agency like State Farm or Liberty Mutual, or direct either online or via phone. All three ways can provide auto insurance quotes, but buyers should know the differences in how they function.

Independent insurance agents can place your business with multiple companies and can compare rates with every one. Independent agents are able to get prices from more than one company, which can help you get a better chance of saving money. If your premiums go up, your policy is moved internally and that require little work on your part.

Exclusive agents are only able to give prices for one insurance company, two examples being a Farmers or Allstate agent. Exclusive agencies are unable to provide a range of price quotes, so it’s a good idea to get additional price quotes.

Consumers who buy auto insurance direct forego a local agent and instead shop direct from companies such as Progressive or Geico. Shopping for auto insurance direct can be a good choice for drivers who do not need advice for asset protection and have a good understanding of what coverage options they need.

Which way is best for finding the cheapest car insurance for police officers in North Dakota? The majority of auto insurance shoppers assume that shopping direct results in the best prices since that eliminates agent commissions, but in reality, that is not the case. We could also assume that using an independent agent guarantees the cheapest rates since they have more companies to choose from, but that idea is not necessarily true either. And occasionally, the exclusive agents have price quotes that cannot be met by either independent or direct companies.

Because there is so much variation in auto insurance prices, the one way to not overpay for auto insurance is to get quotes and compare. We highly recommend getting rate quotes from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.