Articles Editor's Blog Reader Mail

Auto Insurance Cost - Car Insurance Premiums Guide West Fargo ND

Keep in mind that some models are more prone to being stolen, even if they are not what we think as 'flashy'. For instance, at one point Honda had a model which was frequently stolen and in high demand on the 'black' market

Gronke- Donald D
(701) 281-9200
1301 13th Ave E
West Fargo, ND
 
American Family Insurance
(701) 237-3202
650 1st Avenue North
Fargo, ND
 
Hanson- Theodore L
(701) 237-5877
657 4th Ave N
Fargo, ND
 
Stirling- Michael R - State Farm Insurance Agent
(701) 232-5585
7 10th Street North
Fargo, ND
 
Lykken- Dean W - State Farm Insurance Agent
(701) 280-2811
1202 23rd Street South
Fargo, ND
 
Conzemius- Michael J
(701) 293-5464
1313 14th Ave S
Fargo, ND
 
Vaaler Insurance
(701) 298-8200
3137 32nd Avenue South
Fargo, ND
 
Farmers Insurance Group
(701) 235-6409
1815 S University Dr
Fargo, ND
 
Songstad- Lyle E - State Farm Insurance Agent
(701) 235-0123
1401 32nd Street Southwest
Fargo, ND
 
Bob Roesler Agency
(701) 271-6902
15 Broadway
Fargo, ND
 

Auto Insurance Cost - Car Insurance Premiums Guide

Provided By: 

Auto Insurance Cost

The cost of auto insurance varies greatly with a number of factors. All of these factors must be considered; both for yourself and any other drivers who will be insured on a single auto insurance policy:

The location where you live determines auto insurance cost Normally, you will pay more for auto insurance in urban areas and less for auto insurance in rural areas. However, an auto insurance company will take into account local statistics on accidents, thefts and lawsuit's and the local costs of repair and medical treatment.

You may want to consider this aspect when moving to a new location. High auto insurance premiums add up over time.

Your age determines auto insurance cost Generally speaking, if you are younger, you will pay more for auto insurance. Insurance companies play a 'numbers game' which work against younger drivers. Statistically, more mature drivers have fewer accidents than less experienced drivers.

Younger drivers can mitigate this by being insured as an 'occasional' driver on their parent's auto insurance policy.

Your driving record determines auto insurance cost The better your driving record is the less you should be paying for auto insurance. A 'clean' driving record (no accidents or claims) will get you the best rate. Keep in mind that for an auto insurance company, being insured and having no claims establishes you as low risk.

If you are a young driver you should begin to establish a 'clean' driving record as soon as possible. Getting added to a parent's auto insurance as an 'occasional' driver (or with various restrictions) ensures that a young driver's auto insurance will drop in price as quickly as possible.

Your gender determines auto insurance cost Sorry men - the women win on this one. Unless your jurisdiction has legislation prohibiting discrimination by auto insurance companies on the basis of gender women will usually pay less. Unfortunately, the auto insurance companies have figured out that younger male drivers have a higher risk of 'at fault' accidents.

The model and make of car determines auto insurance cost The flashiest sports car may not be the best choice if you want to pay low auto insurance rates. All insurers will consider the cost of the car, the cost of repairs, and the overall safety record of the car. Expect to pay more for faster, more expensive or 'desirable' models of cars.

Theft rate of that type of car determines auto insurance cost Keep in mind that some models are more prone to being stolen, even if they are not what we think as 'flashy'. For instance, at one point Honda had a model which was frequently stolen and in high demand on the 'black' market. Toyota has had the same problem. As a result, it pays to check out the theft rates of any vehicle you are interested in. This can impact your auto insurance costs more than you'd think.

If you are willing to put in a good security system you may be able to reduce or eliminate ...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap