Reader’s Question:
I have a really bad driving record here in North Dakota (rebellious streaks as a dumb-teenager). Do you think there would still be auto insurance agents out there who can give me good car insurance rates?
Jimmy
Fargo, ND
A blemished driving history certainly has its drawbacks when it comes to getting affordable auto insurance rates or premiums, but that doesn’t mean you can’t do anything about it. However, there are also other factors you need to be aware of that can cause high auto insurance rates, this is to set your expectations on how low you can realistically go on your premiums there in North Dakota.
Driver Profile
This includes age, gender, where you live and even the kind of job you hold. Teenagers and Senior Citizens typically have higher rates, as well as male drivers compared to female drivers. The type of car you drive can also affect your rates, small vehicles, expensive cars and models with low safety ratings are more expensive to insure.
Credit History
Credit Scores can be used by companies as a major indicator of how responsible you are in taking care of your bills, which can also be a reflection of how you are when driving.
Now that you have an understanding of how insurance agents and carriers determine rates, here are a few tips to help you out:
- Take advantage of discounts you may qualify for. Completing Defensive Driving classes as well as installing additional air bags and other safety measures on your vehicles can qualify you for discounts.
- If you have a student or you are one, getting good grades can qualify you for Good Student Discounts.
- Auto insurance portals like this one offer free online auto insurance quotes. You can compare rates to know who gives the best rates for you.
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