Do you want a faster way to compare the cheapest car insurance rates in West Fargo, ND? Getting the cheapest quotes can seem to be somewhat intimidating for vehicle owners that are not comfortable with quoting and comparing rates over the internet. With so many insurance agents and insurers available, how can vehicle owners be able to compare every possible option in order to find cheaper car insurance rates?

Unfortunately, a large majority of consumers have bought car insurance from the same company for well over three years, and nearly half have never even compared quotes to find affordable rates. With the average car insurance premium being $2,000, North Dakota drivers could cut their rates by roughly $739 a year just by getting comparison quotes, but they don't invest the time required to compare other rate quotes.

It's a good idea to compare premium rates on a regular basis because prices are variable and change quite frequently. Even if you got the lowest rate on car insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because you're about to find out one of the easiest ways to properly buy coverages while reducing your premium.

If you have a policy now, you will most likely be able to reduce premiums using the tips covered below. Our objective is to introduce you to how car insurance quotes work and some tricks to saving. But North Dakota car owners do need to learn the methods companies use to calculate your car insurance rates because rates fluctuate considerably.

When quoting auto insurance, remember that getting more free quotes will increase your chances of finding a better price. Not every company does rate quotes online, so it's important to compare price quotes from those companies as well.

The companies shown below are our best choices to provide quotes in North Dakota. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in West Fargo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $880 $440 $73
Chevrolet Equinox LTZ 2WD $1,252 $626 $104
Chevrolet Malibu Hybrid $914 $457 $76
Chevrolet Silverado Crew Cab Hybrid 4WD $1,350 $675 $113
Dodge Ram Quad Cab SLT 2WD $1,274 $637 $106
Ford Escape XLS 2WD $794 $397 $66
Ford F-150 STX Regular Cab 4WD $1,000 $500 $83
Ford Focus S 4-Dr Sedan $886 $443 $74
Honda Accord LX 4-Dr Sedan $594 $297 $50
Honda CR-V EX-L 4WD $800 $400 $67
Honda Civic SI 2-Dr Coupe $1,028 $514 $86
Hyundai Elantra SE 4-Dr Sedan $844 $422 $70
Hyundai Sonata GLS 4-Dr Sedan $1,268 $634 $106
Nissan Altima 2.5 S 4-Dr Sedan $1,262 $631 $105
Nissan Rogue S 2WD $1,016 $508 $85
Toyota Camry Hybrid $1,052 $526 $88
Toyota Corolla LE $996 $498 $83
Volkswagen Jetta SEL 4-Dr Sedan $1,156 $578 $96
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates significantly.

Should you buy full coverage?

The diagram below illustrates the difference between Chevrolet Silverado insurance costs with and without physical damage coverage. The rates are based on no tickets, no at-fault accidents, $500 deductibles, single male driver, and no discounts are applied to the premium.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you be buying full coverage?

There is no set guideline to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Chevrolet Silverado replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying the physical damage deductible. If it's costing in excess of $600 a year for full coverage, then it may be the right time to buy liability only.

There are some scenarios where buying only liability insurance is not financially feasible. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Rate comparison of male drivers versus female drivers

The chart below visualizes the comparison of annual premium costs for male and female drivers in West Fargo. The premium estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium on a Ford Escape Limited.

Ford Escape rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Why you need insurance for your vehicle

Despite the potentially high cost of insurance, insurance is required by state law in North Dakota and it also provides benefits you may not be aware of.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in North Dakota is overpaying more than $865 each year so it's important to compare rates every year to ensure rates are inline.

Get cheaper rates on insurance with these nine discounts

Insurance is not an enjoyable expense, but you can get discounts to help offset the cost. Some discounts will apply at the time of purchase, but a few must be asked about before you get the savings. If you are not receiving all the discounts available, you are just wasting money.Insurance discounts

Keep in mind that most credits do not apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you aren't that lucky.

A few companies who may offer some of the discounts shown above possibly include:

Before you buy a policy, ask every insurance company what discounts are available to you. Discounts might not be offered on policies in your area. If you would like to view insurers who offer online insurance quotes in West Fargo, follow this link.

Car insurance 101

Understanding the coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, hitting a bird and vandalism. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, loss of income, repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as large an amount as possible. North Dakota requires drivers to carry at least 25/50/25 but you should think about purchasing better liability coverage.

Coverage for collisions

Collision insurance covers damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, EMT expenses, prosthetic devices and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Cheap car insurance rates are possible

Lower-priced car insurance in West Fargo is attainable from both online companies as well as from independent agents in West Fargo, so get free West Fargo auto insurance quotes from both of them to have the best selection. Some car insurance companies do not offer online rate quotes and many times these regional carriers only sell through local independent agencies.

We just covered many ways to save on car insurance in West Fargo. It's most important to understand that the more you quote West Fargo auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best premium rates are with a company that doesn't do a lot of advertising.

Insureds leave their current company for any number of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or delays in responding to claim requests. Whatever your reason, switching car insurance companies is not as hard as you think.

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