Cando Auto Insurance Rates, Quotes, Agents & Reviews in ND

Cando, ND Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cando, ND, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Latest Car Insurance Rates in Cando, ND

Auto insurance is one of the most important types of insurance for drivers. It can protect you from costly repairs, medical bills, and more. Auto insurance can help pay for the damage if you're involved in an accident. If your car is stolen, it can help reimburse you for the replacement vehicle cost. If you're looking for auto insurance, shop around and compare rates from different companies. Ensure you understand your coverage, and don't be afraid to ask questions. It's important to find an insurance policy that's right for you and your budget.

Every automobile owner in Cando must pay for auto insurance. It might be challenging and difficult to insure vehicles and choose the appropriate insurance. The average cost of car insurance in Cando, ND, is $1,250. In order to help you get the best price, this article will explain the variables that go into determining your vehicle insurance rates, how they are calculated, and what you can do to change them.

Credit History

Auto insurance companies use credit-based insurance scores to help determine rates. A credit-based insurance score is a numerical score that insurers use to help predict the likelihood of a policyholder filing a claim. The score is based on information in your credit reports, such as your payment history and outstanding debt. In general, the higher your credit score, the lower your auto insurance rate. This is because people with good credit are less likely to file a claim. If you have a poor credit history, you may be seen as a higher risk and pay a higher rate. For instance, in Cando, ND, car owners with exceptional credit scores have to pay $1,072, while those with poor credit must pay $2039. 

Age of the Driver

Insurance companies use a variety of methods to determine rates, but age is one of the most important rating factors. In general, the younger the driver, the higher the rate. This is because younger drivers are considered to be more of a risk on the road. They are more likely to be involved in accidents, and they are also more likely to get speeding tickets. Teenagers in Cando, North Dakota, pay $4056 for auto insurance, while drivers over the age of 40 pay $1,190. 

Driving Habits

Your driving habits are one of the most significant factors that affect your insurance rates. If you have a clean driving record, you are less likely to be involved in an accident and will pay less for insurance. On the other hand, if you have a history of accidents or speeding tickets, you will pay more for insurance. For example, the total cost of auto insurance in Cando, ND, will increase by +$291 and +$843 if a driver runs a red light or drives with an expired license.

Factors that can influence the cost of car insurance in Cando, ND are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Cando, ND Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cando, ND with that of other cities in and around Cando.

Cando Chain Lakes Olson Atkins Gerrard Bethel
Average Insurance Rates $1,250 $1,901 $1,827 $1,330 $1,953 $1,859

Cando, ND Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cando, ND based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cando $1,732 $1,463
Olson $1,882 $1,589
Maza $1,990 $1,681
Atkins $2,282 $1,928
Paulson $1,958 $1,654
Gerrard $2,012 $1,699
Bethel $1,915 $1,617
Chain Lakes $1,958 $1,654

Cando, ND Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cando, ND usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,056
20 Years $1,606
30 Years $1,237
40 Years $1,190
50 Years $1,102
60 Years $1,118
70 Years $1,301

Cando, ND Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cando, ND can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,175 $325
3 Vehicles $3,263 $488
4 Vehicles $4,350 $650

Savings on 2 Vehicles bundle:$325

Savings on 3 Vehicles bundle:$488

Savings on 4 Vehicles bundle:$650

Cando, ND Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cando, ND.

Location Average Insurance Cost Post DUI Insurance Rate
Cando $1,250 $2,217
Olson $1,827 $3,240
Maza $1,932 $3,426
Atkins $1,330 $2,358
Paulson $1,901 $3,371
Gerrard $1,953 $3,463
Bethel $1,859 $3,297
Chain Lakes $1,901 $3,371

Cando, ND Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,072
Excellent (740-799) $1,224
Good (670-739) $1,303
Average (580-669) $1,699
Poor (300-579) $2,039

Cando, ND Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
American Insurance Inc None 504 4Th St, Cando, 58324 None
Rugby Ins Agency Allstate 1310 Highway 3 S, Rugby, 58368 (701) 776-6980
Rolette Insur Agcy Allstate 209 Main Street, Rolette, 58366 (701) 246-3395
Jeremy Laducer Farmers 910 Chief Little Shell St, Belcourt, 58316 (701) 477-5420
T. R. Waind Insurance Company, Ltd. None 405 8Th Ave, Langdon, 58249 None

Cando, ND Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$55 $1,305
Driver's Failure In Showing Documents +$121 $1,371
Driving With An Expired Registration +$129 $1,379
Driving At A Considerably Slow Pace +$271 $1,521
Using A Cellphone While Driving +$286 $1,536
Running A Red Light +$291 $1,541
Speeding +$306 $1,556
Driving A Vehicle Without The Required Permission +$389 $1,639
Driving With An Expired/Suspended License +$843 $2,093

Cando, ND Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,200
Active Disabling Device $1,200
Tracking Device $1,175
Passive Disabling Device $1,163