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Harwood, North Dakota is a quaint city located in Cass County with a population of just over 700 residents. Despite its small size, residents of Harwood still need to have car insurance in order to legally drive on the roads. While car insurance is a necessity, it can often be quite costly. However, there are ways to obtain cheap car insurance in Harwood, ND.

The average cost of car insurance in Harwood, ND can vary depending on a number of factors, including the make and model of your vehicle. In order to give you an idea of what to expect, let’s take a look at the average insurance costs for 9 of the most popular vehicle makes and models in this locale.

1. Ford F-150: The Ford F-150 is a popular choice among residents of Harwood, ND. The average cost of insurance for a Ford F-150 in this area is around $1,200 per year.

2. Chevrolet Silverado: Another popular pick for residents of Harwood is the Chevrolet Silverado. The average cost of insurance for a Silverado is slightly lower than the Ford F-150, coming in at around $1,100 per year.

3. Toyota Camry: The Toyota Camry is a reliable and fuel-efficient choice for drivers in Harwood. The average cost of insurance for a Camry is around $1,000 per year.

4. Honda CR-V: The Honda CR-V is a popular SUV choice for residents of Harwood. The average cost of insurance for a CR-V is around $1,050 per year.

5. GMC Sierra: The GMC Sierra is another popular truck choice in Harwood. The average cost of insurance for a Sierra is around $1,150 per year.

6. Subaru Outback: The Subaru Outback is a versatile and reliable vehicle choice for residents of Harwood. The average cost of insurance for an Outback is around $1,050 per year.

7. Jeep Wrangler: The Jeep Wrangler is a popular choice for those who enjoy off-roading in Harwood. The average cost of insurance for a Wrangler is around $1,200 per year.

8. Ford Escape: The Ford Escape is a compact SUV that is popular among residents of Harwood. The average cost of insurance for an Escape is around $1,000 per year.

9. Toyota Tacoma: The Toyota Tacoma is a popular choice for those who need a reliable and durable truck in Harwood. The average cost of insurance for a Tacoma is around $1,100 per year.

Now that we have an idea of the average insurance costs for some of the most popular vehicle makes and models in Harwood, let’s take a look at some of the pros and cons of four different insurance companies that are commonly used by residents in this locale.

1. State Farm: State Farm is a well-known insurance company that offers a variety of coverage options for drivers in Harwood. One of the main pros of State Farm is their excellent customer service and claims processing. However, some drivers may find that State Farm’s rates are slightly higher than other insurance companies.

2. Progressive: Progressive is another popular choice for drivers in Harwood. One of the main pros of Progressive is their competitive rates and discounts for safe drivers. However, some drivers may find that Progressive’s customer service is not as responsive as other insurance companies.

3. Geico: Geico is known for their catchy commercials and affordable rates. One of the main pros of Geico is their easy online quote process and user-friendly website. However, some drivers may find that Geico’s coverage options are more limited compared to other insurance companies.

4. Allstate: Allstate is a trusted insurance company that offers a variety of coverage options for drivers in Harwood. One of the main pros of Allstate is their extensive network of agents who can help you find the right coverage for your needs. However, some drivers may find that Allstate’s rates are on the higher side.

In conclusion, there are several options available for obtaining cheap car insurance in Harwood, ND. By comparing quotes from multiple insurance companies and taking advantage of discounts, you can find a policy that fits your budget. If you’re in the market for car insurance in Harwood, consider reaching out to State Farm, Progressive, Geico, or Allstate to get started.

Here are some common questions about car insurance in Harwood, ND:

1. What is the minimum amount of car insurance required in Harwood, ND?

In North Dakota, drivers are required to have liability insurance with a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.

2. How can I lower my car insurance premiums in Harwood, ND?

You can lower your car insurance premiums in Harwood by maintaining a clean driving record, choosing a higher deductible, taking advantage of discounts, and comparing quotes from multiple insurance companies.

3. What factors can affect my car insurance rates in Harwood, ND?

Several factors can affect your car insurance rates in Harwood, including your driving record, age, gender, location, credit score, and the make and model of your vehicle.

4. Does my credit score affect my car insurance rates in Harwood, ND?

Yes, your credit score can affect your car insurance rates in Harwood, ND. Drivers with higher credit scores are typically seen as less risky to insure and may receive lower premiums.

5. Can I get car insurance without a driver’s license in Harwood, ND?

It is possible to get car insurance without a driver’s license in Harwood, ND, but it can be more challenging. You may need to provide additional documentation and may face higher premiums.

6. Can I add someone to my car insurance policy in Harwood, ND?

Yes, you can add someone to your car insurance policy in Harwood, ND, such as a spouse or family member, as long as they have a valid driver’s license.

7. What is the average cost of car insurance in Harwood, ND?

The average cost of car insurance in Harwood, ND can vary depending on several factors, but it is generally around $1,000 to $1,200 per year.

8. Can I get a discount on my car insurance in Harwood, ND?

Yes, you may be eligible for discounts on your car insurance in Harwood, such as safe driver discounts, multi-policy discounts, and good student discounts.

9. How can I file a car insurance claim in Harwood, ND?

If you need to file a car insurance claim in Harwood, you can contact your insurance company’s claims department by phone or online. Be prepared to provide details about the accident and any relevant documentation.

10. Can I cancel my car insurance policy in Harwood, ND?

Yes, you can cancel your car insurance policy in Harwood, ND at any time. However, you may be subject to cancellation fees and penalties, so it’s important to check your policy terms.

11. What happens if I drive without car insurance in Harwood, ND?

Driving without car insurance in Harwood, ND is illegal and can result in fines, license suspension, and even vehicle impoundment. It’s important to have the minimum required coverage to protect yourself and others on the road.

12. Can I get a quote for car insurance online in Harwood, ND?

Yes, you can get a quote for car insurance online in Harwood, ND by visiting the websites of insurance companies or using comparison tools to compare rates from multiple providers.

13. How can I find the best car insurance policy for my needs in Harwood, ND?

To find the best car insurance policy for your needs in Harwood, ND, it’s important to compare quotes from multiple insurance companies, consider your coverage needs, and review customer reviews and ratings. Additionally, you can work with an insurance agent to help you find the right policy for your budget and driving habits.

In conclusion, obtaining cheap car insurance in Harwood, ND is possible with some research and comparison shopping. By knowing the average insurance costs for popular vehicle makes and models in this locale, comparing the pros and cons of different insurance companies, and asking the right questions, you can find a policy that fits your needs and budget. Remember to always drive safely and responsibly to keep your insurance rates low.