There is a lot to do in North Dakota. From the Four Bears Casino, to the Dinosaur Museum, to the many opportunities for fishing, hunting, or just hiking, there are attractions and activities for native and tourist alike. You may own a home or a business, one car or several; you may be single or have a large family. Whatever your circumstances, you should be sure that you have a full North Dakota insurance program to protect yourself, your family and your assets.
An independent Trusted Choice® agent can help. By accessing multiple markets, an independent agent can offer you options for coverage and rates. There are 43 Trusted Choice agents in North Dakota, so you should have no trouble finding a nearby agent to work with you. Contact an independent agent today, to get the North Dakota insurance quotes and answers you need.
There are two kinds of agents:
Which would you rather have? One choice as to where to buy coverage, or many? Remember the additional flexibilities and capabilities enjoyed by independent agents allow them to offer you better service.
North Dakota law requires the following mandatory minimum auto insurance coverages:
These are minimum limits, but most drivers will choose to carry much higher coverage for adequate protection. North Dakota is a limited "no fault" state, and where the PIP coverage is not adequate, one can still sue, and be sued, for bodily injury.
In addition to the coverages above, a complete automobile insurance policy will provide the following:
If you are like most people, your home is your most valuable possession. Almost everyone insures their home, but industry statistics show that many people do not get the maximum value from their policy, because they do not insure the home for its full replacement cost.
A standard homeowners policy will provide the following coverages:
There are limitations and exclusions in each policy. Some of the more important are:
Special coverage options to address these concerns can often be purchased separately, or as riders to your homeowners policy. Flood insurance is available through the National Flood Insurance Program.
Putting together a business insurance package takes skill and experience. You need to work with a professional agent who can access more than one insurance carrier, to be able to cover all your unique needs. That's why Trusted Choice agents write more business policies than any other insurance company. The basic coverages in a business insurance program will include:
These are just the basic coverages that every business should consider. If you have other exposures you need to work with your agent, so that they can be covered by endorsement or a separate policy.
You may end up with one policy covering all your risks, or you may end up with several policies from different companies, if that gives you the maximum protection for the least cost. A captive agent will be able to offer you coverage from only one company.
You might have several reasons to look for life insurance:
There are different forms of life insurance for different purposes. You might need term life, whole life, universal life or some other life insurance policy to fit your needs. You may want individual life or group life. Whatever your situation it is a good idea to work with a professional agent who can access multiple markets and obtain more than one North Dakota insurance quote to give you the best alternative at the right price.
With the advent of the Affordable Care Act there are many changes in the U.S. health insurance market. If you are seeking individual health insurance in North Dakota, you will have three alternatives:
As of January 1, 2014 if you have no coverage or if the coverage you do have does not meet the minimum standards of the ACA you will be subject to a fine.
There were 74 deaths in North Dakota associated with ATV use in the years 1982 to 2011. There are many miles of ATV trails in North Dakota, but before venturing out, you should be sure you have adequate insurance and know the rules.
There are some common sense things you can do to reduce your risk:
You may wish to purchase liability coverage and physical damage coverage on the ATV itself. You may also want to buy optional coverages like medical payments, towing, or road side assistance, to minimize your financial risks.
You may need personal insurance or business insurance or both. Remember that a member agent in the Trusted Choice network can access multiple companies to obtain North Dakota insurance quotes on your behalf. An independent agent can offer you a customized insurance program through one company or several.
Agents in the Trusted Choice network are committed to work with you for all your coverage needs. You may be able to enjoy discounts by having two or more policies with the same carrier, or your best plan might involve policies from different companies. Contact a local member agent in your area today.