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West Fargo is located near the south-eastern corner of North Dakota. Currently, it is one of the fastest growing cities not just in North Dakota, but also the United States. In the past, West Fargo has been home to the likes of Anthony W. England, a NASA astronaut, and Tyler Roehl, formerly of the NFL.
Driving legally in West Fargo requires:
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 30,000/55,000 | 100,000/300,000 |
| Liability Property Damage | 25,000 | 100,000 |
| Bodily Injury - Motorist Uninsured | 30,000/55,000 | 100,000/300,000 |
| Underinsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 250 deductible |
But remember that state minimum coverage is extremely limited. Such insurance will only pay out claims in the event that you get into an accident which you are deemed liable for (if the accident is your fault). If your car is stolen, or if you get into an accident caused by someone else who is insured, your insurance will not pay out on any claims.
In some parts of North Dakota, insurance can cost as much as $143 per month for certain motorists, on average. However, living in West Fargo can give you the option of getting insurance for as little as $30/mo*!
For West Fargo, State Auto and Liberty Mutual have some of the lowest rates around. But insurance isn’t all about premiums. Customer service is important, as well as the claims filing process. Make sure you do your research and find the company that’s right for you.
Auto insurance carriers consider different elements when calculating insurance rates, which includes marital status, zip code, type of vehicle owned, driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums might vary from carrier to carrier. To verify you’re still getting the most affordable rate, do a comparison of cheap West Fargo auto insurance premiums on the web.
There are multiple ways your car insurance rate can be estimated. But not all of it is out of your control; there are things you can do in order to impact what discounts you are eligible to receive. Listed here are a few of these components in greater detail:
Your car insurance rates could vary according to the place you live. In general, populous areas possess increased car insurance rates as the extra amount of car owners on the streets increases the probability of a car accident! The population of West Fargo is 29,878 and the average family income is $67,613.
As you can see from the chart, significant accidents are quite rare in West Fargo. This means that your area is already likely benefitting with lower insurance premiums. However, feel free to inquire about Safe Driver discounts if you want to save even more.
Automobile theft is a major problem, especially in populous locations. If your locale and/or vehicle model put you at a higher risk for theft, you could have issues acquiring low-cost car insurance. The total number of stolen vehicles in 2006 was 26 for West Fargo. But just because the accident statistics are low, doesn’t mean you shouldn’t try and protect yourself from auto theft. And the only type of coverage which pays out theft claims is Comprehensive coverage.
It turns out that your credit score is one of the biggest influential elements when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.
As you can see from the chart below, young teenage drivers get charged immensely higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial stress by looking into a Good Student discount, or taking additional driver education courses.
A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or significant violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.
Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.
In North Dakota, as well as in many other states, you might be able to squeeze out some additional discounts by looking into these elements below:
For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.
No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.
Generally, your work commute in West Fargo should only last about 15-17 minutes. However, longer times ranging from 15-20 minutes are not uncommon. Around 85% of drivers will commute to work alone in their own car or truck, while between 6-11% will carpool.
Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these elements barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
Adding lots of coverage options makes sense for a more expensive vehicle. For vehicles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy. You can also add a few extra benefits to your coverage and keep your monthly rates low by raising your deductible – just make sure you can afford to shell out the cash if the worst happens.
Approximately 28% of local residents have managed to complete all four years of high school and receive a diploma. An additional 21% have gone on to experience at least one year or more of college. But getting a higher education won’t just prepare you for the job market; it will also get you lower rates for your car insurance policy!
As far as local possibilities go, residents who do not wish to commute far can look into the Global University – Minnesota School of Business. The college offers students a choice of multiple diploma, degree, or certificate programs to prepare for employment in the private business world. Classes can be taken in person or online. Other educational possibilities can be found in neighboring Fargo, ND. Uncover more about West Fargo here.
Understanding your own financial risk can be very challenging or inconceivable for the standard insurance shopper. Insurance companies have got an advantage over consumers because of their research and experiential know-how. Uncover that which insurance providers don’t want most people to discover.
Sources:
North Dakota Insurance Department
North Dakota Department of Financial Institutions
Department of Highway Safety and Motor Vehicles
You can easily calculate YOUR car insurance risks simply by putting in Zip Code into the calculator below.