Do you need a fast way to compare more affordable insurance rates in Jamestown, ND? Have you had enough of scraping the payment together to pay insurance each month? You're in the same situation as many other drivers in North Dakota.

It's astonishing, but about 70% of customers have bought insurance from the same company for over three years, and nearly the majority have never even compared rates from other companies. American consumers could pocket 46.5% a year by just comparing quotes, but most tend to underestimate how much they could save if they switched.

Due to the increasing number of different company options, it can be challenging to find the lowest price insurer.

This article will instruct you on the best way to buy inexpensive insurance and how to save the most money. If you are insured now, you will surely be able to save money using the following tips. Nevertheless, North Dakota vehicle owners need to learn how insurance companies determine how much to charge and apply this information to your search.

The majority of larger companies allow you to get coverage prices directly from their websites. Getting online quotes doesn't take much effort because it's just a matter of typing in your coverage information as detailed in the form. Upon sending the form, their quoting system pulls your driving and credit reports and returns a price quote based on many factors. Getting online rate quotes makes it simple to compare prices and it is important to compare as many rates as possible if you are searching for lower-cost insurance pricing.

To fill out one form to compare multiple rates now, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with your coverages exactly as shown on your declarations page. This makes sure you will be getting a price comparison based on similar coverages.

The companies shown below provide comparison quotes in Jamestown, ND. If several companies are displayed, it's highly recommended you get rates from several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Jamestown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $892 $446 $74
Dodge Grand Caravan CV $1,088 $544 $91
Dodge Ram Crew Cab TRX 4WD $1,098 $549 $92
Ford Edge Sport 2WD $1,014 $507 $85
Ford Escape Limited 2WD $910 $455 $76
Ford F-150 XL Super Cab 4WD $1,100 $550 $92
Ford Focus SE 4-Dr Sedan $1,008 $504 $84
Ford Fusion SE 4-Dr Sedan $1,314 $657 $110
Honda Accord LX 4-Dr Sedan $862 $431 $72
Honda CR-V LX 2WD $672 $336 $56
Honda Civic SI 2-Dr Coupe $1,374 $687 $115
Jeep Grand Cherokee Laredo 2WD $814 $407 $68
Jeep Wrangler Unlimited Sport 4WD 4-Dr $950 $475 $79
Mazda 3 S Sport 4-Dr Sedan $862 $431 $72
Nissan Altima Hybrid 4-Dr Sedan $1,034 $517 $86
Toyota Camry Hybrid $1,170 $585 $98
Toyota Corolla LE $1,386 $693 $116
Volkswagen Jetta SE 2.5 Station Wagon $822 $411 $69
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Jamestown which can raise or lower premiums greatly.

Comparison of policy deductibles

The diagram below illustrates how choosing a deductible and can raise or lower GMC Acadia insurance premiums for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance premiums by gender in Jamestown

The example below illustrates the comparison of auto insurance rates for male and female drivers in Jamestown. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in on a Toyota Corolla XLE.

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

Responsible drivers pay cheaper auto insurance rates

The information below illustrates how violations and at-fault accidents drive up Toyota Corolla insurance costs for different age groups. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Verify you're receiving every discount

Some companies don't always list every disount available in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.Save money with discounts

Remember that many deductions do not apply to the whole policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurers with discount rates in North Dakota, click here to view.

Auto insurance agents near you

Some people just want to go talk to an agent and there is nothing wrong with that. The best thing about getting online price quotes is the fact that drivers can get lower prices but also keep your business local. And providing support for local insurance agencies is important especially in Jamestown.

Upon completion of this quick form, your coverage information is submitted to agents in your area who will give competitive quotes for your business. You don't have to leave your house since rate quotes are delivered to you. You can find the lowest rates and work with a local agent. If you need to quote rates from a specific auto insurance provider, don't hesitate to navigate to their website and submit a quote form there.

What type of Jamestown car insurance agent is right for you?

If you are wanting to purchase auto insurance from a good Jamestown insurance agent, there are two types of insurance agents from which to choose. Insurance agencies in Jamestown can be classified as either exclusive agents or independent agents.

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel do not have single company limitations so they can insure your vehicles with any number of different companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and you can keep the same agent. If you need cheaper auto insurance rates, we recommend you get quotes from at a minimum one independent agency to have the most options to choose from.

Exclusive Auto Insurance Agencies

These agents can only write with one company such as State Farm, Allstate, and Farm Bureau. They usually cannot compare other company's rates so you might not find the best rates. These agents are usually well trained on their products and sales techniques which helps them compete with independent agents.

Finding the right insurance agency should include more criteria than just the premium amount. Here are some questions you might want to ask.

If you receive positive feedback to any questions you may have as well as an affordable premium quote, most likely you have located an auto insurance agent that meets the criteria to insure your vehicles.

Why smart consumers pay less for insurance in Jamestown

Many factors are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, but other criteria are more obscure like where you live or your vehicle rating.

Why you need to buy car insurance

Despite the high cost of buying insurance in Jamestown, paying for car insurance may be required for several reasons.

The benefits of having car insurance more than cancel out the cost, especially if you ever need it. Unknowingly, the average driver overpays more than $865 each year so it's important to compare rates once a year at a minimum to make sure the price is not too high.

Best and worst vehicle claim statistics

Are you driving a vehicle that ranks well for claims? The following tables show the highest and lowest models for overall likelihood of having large claims.

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab BMW M6
Mini Cooper Bently Continental GTC
Jeep Wrangler BMW 6 Series
Smart ForTwo Bentley Continental Flying Spur
GMC Canyon Bently Continental GT
Nissan Xterra Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Bentley Continental GT
Infiniti QX50 Porsche Panamera GTS
Nissan Leaf BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class
Ford F-350 Bentley Continental GTC
Nissan Xterra Audi S7

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chrysler 200
Acura MDX Mitsubishi Mirage
Volvo XC60 Chevrolet Cruze
Subaru Outback Chevrolet Impala
Subaru Forester Chevrolet Sonic
Fiat 500 Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Chevrolet Sonic
Ford F-350 SuperCrew Hyundai Accent
Tesla Model S Nissan Sentra
Ford F-250 SuperCrew Nissan Versa
Land Rover Range Rover Sport Chevrolet Spark
Chevrolet Corvette Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How much can you save?

Budget-conscious car insurance can be purchased on the web and with local Jamestown insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not offer internet price quotes and these regional carriers prefer to sell through independent insurance agencies.

We just showed you quite a bit of information on how to find cheaper coverage online. The key concept to understand is the more you quote Jamestown car insurance, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

Additional information can be read at the links below