The average driver in North Dakota paid $1,317 for his or her policy in 2011. This amount is lower than the national average of $1,440. Even though ND drivers have been paying relatively low amounts for car insurance, it doesn’t mean that they shouldn’t take measures which will help them determine if they are getting the best rates on their coverage.
Reviewing the type and level of coverage that is currently in place should be done at least once every 12 months. Once this process has been completed, the consumer can request quotes from different providers that reflect his or her current needs. The best time to start this process is a couple of months before the current policy is due to expire. The last thing that a driver wants is to have a lapse in coverage, and this time frame will give him or her the time to get multiple quotes and review them carefully before making a decision about whether to switch providers or not.
If a ND car insurance customer decides to switch companies, the best way to do so is to buy the new policy and confirm that the coverage is in place before canceling the existing one. That way, there is no lapse in coverage for the driver. Even a one-day lapse in protection can have serious consequences; not only is the driver not covered if an accident occurs, but the lapse can put him or her in a high-risk category for North Dakota car insurance.