If you own a business in the state of North Dakota, you need to know all about vehicle insurance companies serving North Dakota and the minimum auto insurance in ND.

If your employees use automobiles for business purposes, make sure to let the insurance company know. Your costs might be higher, but if an employee has a wreck while on company business and the North Dakota insurance agency that covers the vehicle did not know that the car was for work purposes, it could reject the claim.

When purchasing auto insurance in North Dakota, among the key points to consider are:

1. Buying enough North Dakota insurance coverage to meet your firm’s needs;

2. Deciding whether to purchase automotive insurance in North Dakota online or to go with a traditional insurance provider; and

3. Knowing how and where to compare rates and find car insurance for North Dakota.

Action Steps
The best contacts and resources to help you get it done

Purchase enough auto insurance in ND for your company's needs

For automotive insurance, North Dakota requires a minimum 25/50/25 coverage. This means if an incident happens, the most a car insurance company pays for bodily injury liability to other passengers is $25,000 per injured person up to $50,000 per accident. If property damage occurs, the limit is $25,000 per incident. Most businesses want at least 100/300/100 coverage plus comprehensive and collision insurance. North Dakota is a no-fault state; each driver's insurance pays for his injuries. North Dakota requires each driver to carry $30,000 of personal injury protection coverage. You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies usually come in increments of $1,000,000. You should decide if the company will pay insurance costs for its employees (usually in the form of commercial insurance) or if the employees must fund their own coverage.

I recommend: Chase and AutoInsure both have free umbrella insurance quotes. Here is a useful article that further details umbrella policies.

Purchase North Dakota automotive insurance online or to go with a traditional insurance

With many websites that promise to deliver insurance quotes from multiple companies with one click, it is tempting to purchase auto insurance online. There's nothing wrong with this, but make sure you meet your business's needs by doing so. If you buy insurance online from an unknown company and it goes bankrupt, any potential claims have no financial backing. Also, never underestimate the importance of good customer service. Will online insurance agencies answer the phone speedily, respond to your questions and take the time to explain your policies? If you have a high need for personal customer service, a traditional, proven insurance provider-one that you can call and visit in person in addition to web-based contact-may be your best bet.

I recommend: Check out Automotive.com to locate an auto insurance agency in North Dakota. Go to Internet Auto Guide.com to locate a bricks and mortar North Dakota insurance agency by county.

Know where and how to compare rates and find car insurance in ND

Thanks to the Internet, it's easier than ever to get quotes from car insurance companies serving North Dakota at the click of a mouse. Many reputable commercial car insurance companies in North Dakota now offer vehicle insurance quotes from multiple providers after you fill out a single application. By inputting the specific needs of your business, you can compare the same insurance coverage from several different providers.

I recommend: Esurance, Insurance and Progressive have excellent user interfaces and solicit quotes from several companies. You can purchase coverage and print insurance cards directly from the websites at the end of your session. Although Progressive is an individual insurer, it also offers competitor’s rates (which are sometimes cheaper) that you can immediately purchase.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Network with others in your industry to find out which commercial auto insurance companies in North Dakota they use. You can learn from others' experience