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Grand Forks came about thanks to a bounty of agricultural resources and geography. The fertile land made farming lucrative during the 1800’s, and the convenience of water transport along the Red Lake River and also the Red River brought farm goods to market quickly and easily. Today, the local economy has diversified to include the arts, the national defense, and various commercial businesses.
Driving legally in Grand Forks requires:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 25,500/50,500 | 105,000/305,000 |
| Liability Property Damage | 25,000 | 100,000 |
| Bodily Injury - Motorist Uninsured | 25,500/50,500 | 105,000/305,000 |
| Underinsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Collision Coverage | Not required Coverage | 700 Insurance deductible |
| Comprehensive | Not required | 250 deductible |
Keep in mind that these are requirements and suggestions. The actual level of coverage you may need will depend on additional elements, such as your vehicle, the age of your vehicle, and how much you have to spend on insurance each month.
There are some parts of North Dakota where motorists can pay as high as $143 per month for auto insurance. But in Grand Forks, you can get your policy for as low as $27/mo*! We’ll show you how here in this article.
As you can see, State Auto and Liberty Mutual have some of the lowest rates around. But insurance isn’t all about premiums. Customer service is important, as well as the claims filing process. Make sure you do your research and find the company that’s right for you.
Auto insurance providers consider many variables when figuring out insurance prices, which includes marital status, driving violations, occupation, years of driving experience, and multiple cars and drivers. Also keep in mind that premiums might vary from business to business. To find out if you are still forking out the most affordable premium, compare cheap Grand Forks auto insurance price quotes via the internet.
There are lots of ways in which your car insurance rate can be determined. But not all of it is out of your control; there are things you can do in order to control what discounts you are entitled to obtain. Listed here are a few of these elements in greater detail:
Budget friendly car insurance is usually associated with cities which have a lesser population density. Because there are less vehicles on the streets, you will find a lesser number of possibilities to get involved in a significant wreck with another driver. The population of Grand Forks is 54,932 plus the general family earnings are $45,762.
Going by the statistical data in the chart below, it appears as though significant accidents aren’t too common in Grand Forks. This is good news for multiple reasons, including the fact that low accident rates automatically lower Automobile insurance premiums.
Acquiring cheap auto insurance can be hard should you be at risk for auto theft. Specific popular automobile models tend to be popular with thieves, as well as cars or trucks that are parked typically in huge urban centers. The full quantity of thieved vehicles in Grand Forks was 68 as recently as 2013. Just remember that, should you need to file an auto theft claim, your provider will only pay out if you have Comprehensive coverage on your policy.
Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double what you pay each month to remain insured.
Teenage motorists are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.
Low-risk drivers tend to have blemish-free (or nearly perfect) driving records, so insurance companies tend to charge them lower rates each month. If your record is less than perfect, you should ask your insurance agent about “accident forgiveness” discounts to see if you can save money. For more significant violations, however, your rates might go up immensely – or your provider may refuse to cover you all together.
Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart above, where you can see that carrying auto insurance on a luxury vehicle is immensely more expensive than with your typical sedan.
In North Dakota, as well as in many other states, you might be able to squeeze out some additional discounts by looking into these elements below:
For individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner’s or renter’s insurance, you can save even more by bundling those, too.
No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving. That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.
Typical work commutes aren’t too bad, usually ranging between 11-18 minutes. However, commutes as short as 5-10 minutes have also been reported. Approximately 78% of drivers will use their own vehicle in order to get to work each day, while another 3-14% will carpool.
Most people believe that if you drive more miles on an annual basis, you’ll be charged more for your insurance rates. While some companies might charge more, others don’t. The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more per month in premiums.
As is with most forms of insurance, the more coverage you purchase, the more you will pay in premiums each month. Also, keep in mind that higher deductibles will save you money on your monthly premium – however, it will be more expensive to get your vehicle fixed in the event of an accident.
Nearly one-quarter of residents in Grand Forks have obtained a high school diploma or equivalent, while another 20% also have at least one year of college experience. But did you know that a higher education can also mean lower car insurance rates? Recent studies have shown that providers often give discounts to drivers who have advanced degrees.
Grand Forks is home to the University of North Dakota, one of the largest public universities in all of the Midwest (and the largest university in the state). With over 180 fields of study to choose from, UND is sure to have a program for any student looking to improve their education. Uncover more about Grand Forks here.
Defining your own financial risk can be very challenging or unachievable for the standard insurance shopper. Insurance agencies have got an edge on consumers because of their studies and experiential knowledge. Learn the things that insurance agencies don’t expect anyone to be aware of.
Sources:
North Dakota Insurance Department
North Dakota Department of Financial Institutions
Department of Highway Safety and Motor Vehicles
You can easily calculate YOUR car insurance risks simply by putting in Zip Code into the calculator below.