North Dakota Car Insurance Information

North Dakota has strong insurance requirements. As with most states, North Dakota car insurance laws require liability insurance in the amount of 25/50/25, which is on the high end of such requirements. Some state requirements are as low as 10/20/10.

In addition, this state requires every driver to have uninsured and underinsured motorist's coverage. On top of these coverages, drivers must carry a no fault policy in the amount of at least $30,000. Of course, this extra coverage incurs extra costs, so keeping down the price of the premiums is always highly desirable.

How can you do that?
Several things affect insurance prices and some you can't control. But some you can. For instance, your credit rating affects the price of your auto insurance. The kind of car you drive also plays a major part in the cost of insurance. Less expensive cars and "family" type cars tend to cost less to insure. Some foreign cars, which cost more to repair, rate higher premiums.

Deductibles also matter.
The higher your deductible is then the lower the costs of the policy. Typically, over time, the differences in North Dakota car insurance premiums will more than make up for the difference in deductibles.

Where you live and how much you drive also matters. If you live in a city, with heavier traffic, you pay higher premiums. And in North Dakota, the more you drive, the more you pay. So let your insurer know if you suddenly drive a vehicle less than you used to.

Driving habits affect you in other ways, as well.
A poor driving record rates a higher premium. The same is true for recent claims or a record of frequent claims. So in some cases it might be worth it in the long run to pay for small repairs yourself.

Finally, one thing most people don't think about, but over which they do exercise some control, is fraud. Not what industry experts call "hard" fraud, those deliberate criminal activities often conducted by career criminals, but "soft" fraud.

Soft, or opportunistic car insurance fraud is exaggerating otherwise legitimate claims.
Imagine that a driver breaks his arm falling off a ladder at home, and happens to have a minor auto accident a few days later. If that person falsely claims that the wreck caused the break that would be soft fraud. Other scams include lying about lost wages or the cost of repairs, filing multiple claims for one injury or misrepresenting where you live to get better North Dakota car insurance rates. Likewise, misrepresenting the identity of the primary driver of a vehicle constitutes soft fraud.

It's been estimated that more than one-third of all auto accident claims include such falsified information. And if you do it, or you know of someone who does, we all pay for it - millions of dollars every year. Plus, it is illegal and you can be forced to pay back what you owe, pay fines or go to jail - or even prison. So help everybody to save money, including yourself, on North Dakota car insurance policies by conforming to the regulations set forth by the state - and always be an honest.