Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

North Dakota Insurance Guide

As the 19th largest state in the U.S., North Dakota knows a little something about protecting its assets. Their flexible and yet conservative insurance regulations help their residents learn the same lesson.

North Dakota Auto Insurance

No-fault North Dakota auto insurance regulations require both personal injury protection (PIP) coverage and uninsured motorist coverage. In addition, they require at least $25,000 in property damage liability, $25,000 in bodily injury liability for single-persona accident injuries and $50,000 for multiple person injuries.

North Dakota Health Insurance

Individual health insurance policies are not required to be guaranteed issue by North Dakota health insurance regulations. They do allow state income tax deductions for health savings account (HSA) contributions and the state does have a high-risk pool for uninsurable individuals.

In order to get group health insurance issued in North Dakota, groups must have at least 2 members. Individuals within the group can have their pre-existing conditions excluded for up to 12 months if they had a 63 day or longer break in coverage over the past 6 months. Groups with 2-25 members have rates that are protected by rate bands.

North Dakota Home Insurance

North Dakota home insurance regulations might not require all homeowners in the state to have insurance, but that doesn’t mean that they are not concerned with the threat of floods and other natural disasters. In fact, in 2009 a panel of federal agency water experts was assembled to discuss the future of climate change and how it will affect flooding in the state. In certain parts of the state, they found increased chances for very high level floods-just a minor reminder of how important home insurance really is.

North Dakota Life Insurance

North Dakota life insurance regulators created the North Dakota Life and Health Insurance Guaranty Association in 1983 in order to provide a sort of back-up protection to consumers in case their life insurance companies became insolvent before paying out claims. The association offers up to $300,000 in death benefits and $100,000 in cash surrender value for qualifying consumers.

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