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.
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 Rates
- Cando, ND Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cando, ND
- Multi Vehicle Insurance Savings in Cando, ND
- How Credit Score Affects Car Insurance Rates in Cando, ND
- How DUI Affects Auto Insurance Premiums in Cando, ND
- Top Auto Insurance Agents Near Cando, ND
- How Driving Violations Affect Auto Insurance Rates in Cando, ND
- Cando, ND Auto Insurance Discounts on Anti Theft Feature
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 |