Auto Insurance in North Dakota

We all must buy auto insurance in North Dakota and hope never to use it. Auto insurance is a critical component of a sound financial plan. Whether you are at fault or not, your policy should help keep your finances safe in case of such incidents. At Kramer Agency in Bismarck, ND, we recommend having enough insurance to protect yourself and other motorists. If it's your first time buying the policy, you might have many questions about insurance.

What is auto insurance?

Auto insurance is a type of automobile policy designed to protect you, your car, passengers, and other road users. The policy may compensate third parties who get injured in an accident that you cause. If you have had to cover repairs or damages out of pocket, you probably know how expensive an accident can get. Therefore, you want to make sure that all aspects of your car are covered.

Do I need an auto insurance policy?

Yes. In fact, you can be jailed for driving without auto insurance in North Dakota. All drivers are required to have minimum liability coverage, but there are other additional coverages you can include in your policy to increase protection. Auto insurance doesn't cover you alone, but other people that you allow you to drive your car, which means it's a family policy for the family car.

What does auto insurance cover?

Auto insurance coverage includes:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Personal injury protection

How much auto insurance should I buy?

Your auto insurance needs may not be the same as your neighbors'. With that in mind, you need to assess your auto insurance needs and come up with an approximation. Generally, your driving record, age, gender, car type, and where you store it determines your auto insurance rates.

Do not wait until you get into an accident to buy auto insurance. By then, it might be too late. If you need more information or you're not sure which coverage fits you, speak to our agents at Kramer Agency in Bismarck, ND, and we will be able to help.