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It’s not hard to find cheap North Dakota car insurance quotes, as it has some of the cheapest car insurance rates in the United States. Of course you still don’t want to pay more for car insurance than you have to. So follow these tips to keep your costs down. Buy the Required Insurance In North Dakota, you are required to have the following amounts of auto insurance: * $25,000 per person and $50,000 per accident for bodily injury or death * $25,000 for the destruction of another person's property in any accident * $25,000 per person and $50,000 per accident for uninsured motorist coverage * $25,000 per person and $50,000 per accident for underinsured motorist coverage * $30,000 for basic no-fault personal injury protection Not carrying these minimum levels of insurance will lead to fines, suspensions, and higher insurance rates. Keep Your Credit Record Clean A good credit record will help you qualify for lower auto insurance costs. Insurance companies charge you a higher rate if your credit is poor. People with poor credit pay 20 to 50 percent more on car insurance than people with good credit. Shop Around for the Best Insurance Quotes Insurance premiums can vary dramatically from one insurance company to another. To find a cheap North Dakota car insurance quote, you need to shop around. Fortunately, it is easy to shop around and compare quotes by going to an insurance comparison website. You'll receive quotes from multiple A-rated companies that you can compare at your leisure. As you review your quotes, make sure you receive all the discounts you're eligible for, such as: * Auto/home discounts * Good student discounts * Discounts for safety features such as automatic seat belts, airbags, and anti-lock brakes * Discounts for taking a defensive driving course * Discounts for being accident-free for a specified number of years * Discounts for anti-theft devices On the best insurance comparison websites you can talk with insurance professionals and get prompt answers to your insurance questions (see link below). Visit http://www.LowerRateQuotes.com or click on the following link to get North Dakota car insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on North Dakota car insurance.
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