In North Dakota, cheap car insurance is something that many car owners seek. However, looking for the cheapest car insurance is never the best idea. While rates vary from insurer to insurer for a variety of reasons, companies that are exceedingly cheap may be that way for a reason. Before you start shopping around for cheap car insurance, make sure you know what coverage you must have and what coverage you should have.

Mandatory Coverage for North Dakota Cheap Car Insurance

North Dakota is a no-fault insurance state. This means that in the case of bodily injury individuals must seek compensation from their own insurance first. The state has set monetary thresholds on lawsuits, meaning that injuries must exceed a certain dollar amount before the injured party can sue the at-fault party. For this reason personal injury protection is required coverage for all vehicle owners.

Overall in North Dakota, there is a larger than average amount of mandatory car insurance. All drivers must carry at least $25,000 bodily injury liability per person; $50,000 bodily injury liability in total per accident and $25,000 property damage liability coverage. Underinsured motorist coverage must be carried to protect you from accidents with other drivers who carry insufficient levels of coverage. Uninsured motorist coverage is also mandatory, even though only 9.1% of drivers in ND are uninsured. This is amongst the 10 lowest ranking states in the nation.

Recommendations for North Dakota Cheap Car Insurance

In addition to these forms of coverage, full coverage is often made up of collision and comprehensive insurance. These personal physical damage coverage options are actually mandatory on financed vehicles, according to the lenders. For those whose vehicles are not financed the decision is a personal one based on how much the car is worth and the price of the premiums.

Collision covers repair or replacement of vehicles damaged in at-fault accidents. Comprehensive covers incidents of damage that involve other perils like weather, theft, fire and vandalism. While North Dakota has the fourth fewest number of motor vehicle thefts in the nation, the fact is also that ND has the fourth lowest population. Therefore comprehensive to cover risks like theft should still be considered.

Other forms of coverage worth considering are rental car coverage for when your vehicle is in the shop and towing and labor coverage in case you need help roadside. Be sure to check that you are not already carrying such coverage though through an auto club or a premium credit card.

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