Road users in North Dakota are constantly searching for cheap auto insurance quotes without fully understanding how discounts are applied. Most auto insurance carriers have a static premium for an individual policy and this figure either increases or decreases based on the risk that an individual driver presents. Naturally, all vehicles will have a different static auto insurance premium based on their age, performance levels and even the color of the paintwork. To qualify for discounts, motorists in North Dakota should always be aware of where they are actually applied.
Defensive Driving Course Discount
A healthy discount will be applied to all online auto insurance quotes if a road user has completed a defensive driving course. The course must be taken and completed on a voluntary basis and a valid certificate of no more than three years old must be presented whenever an auto insurance policy is renewed or taken out for the first time.
Safe Driver Discount
Cheap auto insurance quotes can be assured if a motorist manages to maintain a safe driving history. To qualify for this discount, all road users in a household must have no traffic violations or claims within the previous three year period. This particular discount is usually verified upon application and you may be refused auto insurance coverage if you do not divulge information relating to any incident you or other household members have been involved in.
Discounts are available for all students who manage to maintain good grades. This reduction is available to all drivers under the age of 25 irrespective of whether they are married or not and at least one of the following criteria must be met within the previous semester:
- Scholar rating that places the student within the top 20% of his or her class.
- An average B grade or equivalent
- A grade point average of 3.0 (This is usually out of a possible total of 4.0) for all subjects or equivalent
- Inclusion within the Dean’s List or Roll of Honor to denote academic achievement or any other equivalent
Road users who are under 25 years of age and have recently completed a four year college or university graduation will also be considered for student discounts. Individuals who are undertaking home study courses may also be eligible for cheap auto insurance quotes if evidence can be provided that they rank within the top 20% of national standardized tests (PSAT, PLAN, SAT-1, ACT or TAP) within the previous 12 month period.
Multiple Vehicle Discount
Cheap auto insurance quotes can be obtained through the multiple vehicle discount scheme if all of the following criteria can be met:
- Two or more private passenger vehicles are being primarily used by individuals living within the same household
- The vehicles are insured with the same auto insurance company
- The owners of the vehicles live in the same household and are related by blood, marriage or adoption. If two drivers are unrelated, they must both share joint ownership of the two vehicles and be listed as named insured drivers
Multiple Line Discount
All vehicles manufactured prior to 1994 which have airbags or any other passive restraint safety systems in place as a factory-issued feature will qualify for reductions on bodily injury liability, property damage liability and personal injury protection.
Vehicle Safety Discount
All vehicles manufactured after 1993 may be entitled to a discount on personal injury protection based on the loss experiences of an individual model series.
Company Insurance Discount
It is possible to gain further discounts on auto insurance quotes if a chosen carrier has a designated program in place. State Farm, for example, operates the ‘Steer-Clear Safe Driver Discount’ which can be enjoyed if a motorist has a safe driving history within the previous three year period and the relevant course has been completed.
Where to Find the Best Discounts
Cheap auto insurance quotes seems to advertised everywhere these days but actually find them is a different matter altogether. At Promiga Auto Insurance Quotes, all of our A-rated providers have an extensive range of discounts in place that have enabled them to earn rave reviews from leading industry specialists. All auto insurance quotes are provided free of charge and there is never any obligation to actually make a purchase through our dedicated website.
No personal information is required and our simple-to-use site platform is ideal for obtaining great value online auto insurance quotes with just a few simple mouse clicks. To see our full range of exciting discounts, simply tap in your North Dakota ZIP code to enjoy multiple free auto insurance quotes from the biggest names in the business.