Whether you work a desk job at the North Dakota state capital, fish in the Missouri River, or operate a small outlet at the Kirkwood Mall, you face numerous risks in your life and business, and you need excellent insurance to protect yourself financially. True, Bismarck is a fast-growing city that's family friendly by any measure. But you still need to compare Bismarck insurance policies because of all the overt and hidden risks you face.
For instance, say you own an art deco home in the Cathedral District, and your homeowners rates recently went sky high. Or maybe you recently lost your job at Medcenter One Health Systems, and you have burning questions about how to make health insurance more affordable, so you can have some cash left over to pay for fun extras like trips to Belle Mehus Auditorium and concerts given by the Missouri Valley Chamber Orchestra.
One key is sourcing Bismarck insurance quotes, so you can compel insurance companies to compete to give you the best rates. This article will give you a resource to do that and also explain some critical statistics and ideas to keep your insurance search fresh and optimized.
Auto Insurance -- Great News and Not So Great News
So here is the good news. According to the National Association of Insurance Commissioners (NAIC), in 2007, North Dakota drivers paid just $512 on average for their insurance -- the lowest rate in the nation. (For comparison, the average United States driver paid $795 in 2007). Liability cost just $251, collision cost $185, and comprehensive cost $222. North Dakota also had a very low rate of uninsured motorists. According to the Insurance Research Council, in 2007 -- just 5% of state drivers lacked auto insurance.
Now For the "Not So Good" News
Those good rates only apply to the average driver. If you have recently been in an auto accident or you've gotten a speeding ticket, you rates could spike up 50%. Likewise, if you own an unsafe car, if you are a "high risk" driver (such as a senior citizen or a teenage driver), or if you drive a fast sports car or a model that has a bad safety record, your rates could be much higher. And remember, auto is just one kind of coverage you need. If you are a homeowner, the NAIC found that the average rate you would have to pay was $771 in 2007 -- close to the national average of $822. And if you have a preexisting health condition, your health insurance may be as high or much higher than the national and state averages.
The point is that, to find quality Bismarck insurance quotes for your needs, you need to consider your coverage in context and think of it holistically. Yes, you can use Bismarck insurance quotes to help source discounts and optimize individual kinds of coverage (such as auto, health, business, and beyond). But this information should be used as part of a grander strategy for getting your rates down and maximizing your coverage.
One good methodology is simple. It is simply to "dream up" your ideal Bismarck insurance coverage -- being as comprehensive and as "blue sky" as possible with your brainstorming.
Then put on your analytical thinking cap and work backwards to see how you can make this "best scenario" coverage a reality. Use as many resources as you can to make your "best scenarios" come true -- including knowledgeable agents, discount ideas (you can find lots of them here on NetQuote), and comparisons of Bismarck insurance quotes.
How to Compare Quotes and Win Today
NetQuote, a 100% free online service, can help you locate and cross compare an array of quotes (5+). It only takes a few minutes to deploy our quote form to get this great information, and the benefits that you get from doing this small amount of research can pay you back for literally years -- many of our clients have gone on to save hundreds of dollars a month on their premiums just by sourcing good info through NetQuote.