Auto Insurance in New Town North Dakota – 5 Tricks to Cut Costs

Confused by the crazy number of auto insurance companies in New Town? Many other drivers are as well. There are so many options that it can quickly become a real challenge to find the lowest price.

New Town Auto Insurance Quote Comparison

Finding a better price on auto insurance isn’t really that difficult. The only thing you need to do is take a couple of minutes to compare quotes from different insurance companies. This can be accomplished in several different ways.

  1. The fastest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate quotes for each company. Just one form compares rates from all major companies. It’s the fastest way to compare.
  2. A slightly less efficient method to get quotes online requires a visit to each individual company website and complete a new quote form. For sake of this example, let’s assume you want to compare rates from State Farm, GEICO and American Family. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in New Town, click here.
  3. The most time-consuming way of getting rate comparisons is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional guidance of a local agent. You can, however, obtain prices from the web and still use a local agent and we’ll touch on that later.

However you get your quotes, double check that you are using apples-to-apples coverage limits for every company. If each company quotes different deductibles it will be next to impossible to determine the best price in New Town.

Don’t miss these 5 discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but a few must be asked about prior to getting the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

For a list of insurers who offer auto insurance discounts in North Dakota, click here to view.

Can’t I compare rates from local New Town agents?

Some consumers prefer to buy from a local agent and that is OK! Agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is you may find the lowest rates but also keep your business local. And providing support for local agencies is especially important in New Town.

After completing this short form, your coverage information is emailed to local insurance agents who will give you bids for your coverage. There is no need to even leave your home due to the fact that quote results will go to the email address you provide.

Listed below are agents in New Town who can help you get rate quotes.

  • Reynolds Insurance – , New Town, ND 58763 – (701) 862-3318
  • Reynolds Insurance – 301 Main St, New Town, ND 58763 – (701) 627-4293

To view a complete directory of auto insurance agents in New Town, click here to link.

Selecting an insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:

  • What are the financial ratings for the companies they represent?
  • Do they make recommendations based only on price?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Is the agent and/or agency licensed to do business in North Dakota?
  • Which company do they place the most coverage with?

After getting positive responses to these questions and an affordable coverage quote, you have narrowed it down to a company that will provide auto insurance coverage. Just keep in mind policyholders can terminate coverage for any reason so don’t assume you are locked into a specific agent with no way out.

Specific coverages

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, vandalism, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.


This coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, emergency aid, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible. North Dakota state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry higher limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, EMT expenses, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many North Dakota drivers only purchase the least amount of liability that is required (North Dakota limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, sideswiping another vehicle, backing into a parked car, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Quote often and quote early

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, high prices and poor customer service. Whatever your reason, switching companies is less work than it seems.

Low-cost auto insurance can be purchased online in addition to many New Town insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Consumer auto insurance information in North Dakota

Additional auto insurance information can be read on the North Dakota Insurance Department website. Click here for link. Consumers can download brochures, view a list of available companies, and read enforcement actions against agents and companies.

Other useful links include this resource for North Dakota auto insurance prices and this link where you can get more info about New Town coverage.