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Archive for the ‘ car insurance ’ Category

How Do Safe Driving Insurance Discounts Work?

Monday, April 5th, 2021

You’re a safe driver, right? You do your job to follow the rules of the road and keep you and the other people around you as safe as possible. But what if you could get rewarded for being the safe driver that you are?

We’re here to tell you it’s certainly possible when it comes to safe driving and receiving insurance discounts on car insurance in Fargo-Moorhead. Here’s everything you need to know!

Driving History is a Big Factor

It’s pretty easy to take a guess at how insurance companies work. They get policy holders to pay premiums and then invest that money with the intention the revenue it generates is greater than the amounts they will have to pay on claims. When this doesn’t happen, they end up losing money on the deal – hence the reason insurance can be risky!

Because of this, insurance companies will look at driving history as a part of the policies they offer. Drivers with proof of safe driving on their record will always have a lower insurance rate.

It Take a Special Formula

So how is it all calculated? Most insurance companies will use a formula that looks at important factors such as your age, gender, and driving history. Your driving history includes the number of accidents shown on your record as well as the number of points shown on your license.

The insurance company will look at how serious each accident was and whether or not you made a claim in order to determine your rate. No accidents mean the lowest rate possible!

Maintenance is Key

You might have high insurance rates now, but it doesn’t mean you’re always going to have a high rate. As time goes on and your record gets cleared, you’ll become eligible for a lower insurance rate. The key is maintaining a clean record over time and always remembering that safety comes first when you’re on the road.Do you have a safe driving record and have questions about the potential discounts you could receive from it? We’re here to help. Contact us today!

Commercial Car Insurance: FAQ

Tuesday, January 7th, 2020

As one of the leading providers of commercial car insurance in North Dakota and Minnesota, Fargo Moorhead Insurance gets a lot of questions on the topic! Today, we’re going to go over some of the frequently asked questions and answers on this subject to help you get all the information you need.

What is commercial auto insurance? 

This is a form of car insurance designed to insure the business use of a vehicle against property damage and liability claims. 

Who needs commercial auto insurance?

If you drive a vehicle just for business use or you drive a personal vehicle for business, it is important to have commercial auto insurance! In either of these situations, the vehicle will not be covered under a personal auto policy which is why commercial car insurance is necessary.

What does this insurance cover?

There are several things that can be covered under a commercial car insurance policy,


  • Property damage liability
  • Liability for bodily injury to others
  • Optional bodily injury coverage for injuries that occur outside of the state where you live
  • Personal injury to you or your employed drivers or passengers. Personal injury protection includes medical expenses and lost wages
  • Collision coverage for costs associated with an accident, regardless of fault
  • Comprehensive coverage for damage from events other than a collision
  • Medical payments coverage for hospitalizations, treatment, and funeral expenses
  • Uninsured and underinsured motorist coverage
  • Non-owned auto coverage if you or your employees drive a rented or borrowed vehicle
  • Loading and unloading liability
  • Substitution transportation if your commercial vehicle is being repaired and you need a loaner from the repair shop
  • Towing and labor costs

How much does this coverage cost?

The price of auto insurance for a business vehicle will depend on several things, including the size and scope of your business, how many people use the vehicle, and how many vehicles are being insured. Making sure your commercial vehicles are equipped with any and all available safety features and that drivers complete safe driving courses are effective ways to get the best deal for your coverage.

Another way to ensure you’re getting the best deal for commercial auto insurance in Fargo and Moorhead is by working with the right company! Give the team at Fargo Moorhead Insurance a call today to discuss your policy options. 

Is Auto Insurance Cheaper for Homeowners?

Monday, August 5th, 2019

Plenty of homeowners wonder if owning a home affects their car insurance. You might even find “do you rent or own your home?” is a frequently asked question when you’re shopping for car insurance. And there’s a good reason for this!

The truth is, owning a home CAN affect car insurance rates, so let’s go over how that works.

Homeowners Discounts

One of the ways owning a home can help you save money on car insurance is if you qualify for a homeowners discount on your auto insurance policy.

If you’re a homeowner, be sure to ask your insurance agent if this discount is available to you when you buy a car insurance policy.

Some of the other discounts that might apply to you include paperless discounts, safe driving discounts, and good student discounts.

Bundling Discounts

Most insurance companies offer discounts for policyholders who bundle their coverage. That means having multiple policies with the same company.

The most common form of this is insuring your vehicle and your home with the same company. If you do this, you’ll often be eligible for a generous bundling or multi-policy discount.

Homeowners and Auto Liability Coverage

Another important consideration when it comes to being a homeowner and having an auto insurance policy is how much liability coverage you have in your auto insurance policy.

If your car insurance policy doesn’t have adequate liability coverage after you’re at fault for someone’s injuries in a car accident, the injured person could sue you directly.

And what does that mean?

Well, your home is one of your greatest assets, so if you don’t have enough auto liability coverage, your home could be taken.

That’s why most policyholders are strongly encouraged to increase their auto liability coverage above the legally required minimums.

If you’d like to learn more about insuring your home and your vehicle with the best coverage on the market, get in touch with Fargo Moorhead Insurance today!

Insider Tips for Saving Money on Car Insurance

Wednesday, May 1st, 2019

Insider knowledge can be incredibly useful in several situations, and this is especially true when it comes to saving money on car insurance! When you speak with an insurance insider, they’ll provide you with all sorts of helpful tips for saving money on your policy.

At Fargo Moorhead Insurance, we’ve been providing our clients with excellent insurance coverage and options since 1    972. If that doesn’t make us insiders, what does? That’s why we’ve put together some of our most useful insider tips for saving money on car insurance to help you get the best deal possible.

Consider the Cost of Insuring a Vehicle Before Buying It

Let’s say you’ve fallen in love with a certain vehicle and you bought it without considering what it might cost to insure. In that case, it’s usually too late or too much work to return the vehicle. That’s why we always encourage drivers to look into insuring a certain vehicle BEFORE buying it. This way they’ll have an idea of what they might pay for coverage each month and decide if that works with their budget.

Take an Accredited Safe Driving Course

While you may have to make an initial investment in the course, many drivers aren’t aware that by completing an accredited safe driving course they might be eligible for a discount on their auto insurance policy!

Raise Your Deductible

If you’d like to pay a little less each month in exchange for paying slightly more out of pocket in the event of a claim, raising your deductible can be an excellent option for saving money on car insurance. If you have a $500 deductible right now, consider changing it to $1000 and speak to your provider about what that could look like for lowering your monthly premium.

Bundle Your Policies

Most insurance companies offer discounts when their clients bundle their policies. For you, that could look like combining your home and auto insurance policies. In many cases, this results in excellent money-saving opportunities!

Four Things You Should Know About Collision Insurance

Monday, April 1st, 2019

When you purchase auto insurance, you’ll be presented with a variety of coverage options, and deciding which ones you need can be overwhelming. Although there are certain legal minimums all auto insurance policies must include in every state, there are also optional additions that are incredibly beneficial to most drivers.

One of the types of optional coverage you’ll hear the most about is collision coverage. To help give you a better idea of what might be right for you, we’ve compiled a list of things you should know about collision insurance.

What is Collision Insurance?

This type of car insurance protects you if your car is damaged from a collision with another vehicle or an object like a mailbox or a fence. It applies whether you’re at fault for the accident or not.

What Does Collision Insurance Cover?

  • Collisions with other vehicles
  • Collisions with objects or animals
  • Single-vehicle accidents, including rollovers

What Isn’t Covered by Collision Insurance?

  • Another vehicle’s damage (that’s where liability insurance comes in)
  • Yours or another driver’s medical bills. This is where medical expenses coverage is used instead.
  • Damage to your vehicle from something other than a collision, like a falling object or vandalism. Comprehensive insurance is used for these situations instead.

Do I Need Collision Insurance?

If you lease or finance your vehicle, the lender almost always requires that the driver has collision insurance to protect their investment. If you own your vehicle and it is less than 10 years old or worth more than $3,000, it is almost always encouraged for drivers to buy collision insurance.

Another good rule of thumb for deciding if you need collision insurance is to ask yourself if you could afford to replace your vehicle on your own if it were destroyed in a collision. If the answer is no, collision insurance is probably a wise choice!

Our clients are almost always surprised at how affordable collision coverage can be! Contact us today if you’d like to learn about policy options that suit your needs and budget.

The Most Common Car Insurance Claims and How to Avoid Them

Wednesday, February 20th, 2019

It’s essential to have a great car insurance policy in place to protect you when incidents arise with your vehicle, but if you can avoid these incidents in the first place, even better!

A good way to help prevent needing to make a claim is to know the most common reasons for making a car insurance claim and how to avoid them.

  1. Fender Benders: Among the most common car insurance claims is fenders benders, whether it involves you rear-ending someone or another minor accident with no injuries. While you can’t control what other drivers do, practicing safe driving practices is your best bet for avoiding fender benders. Leave plenty of distance between you and other vehicles, don’t drive in unsafe conditions, and follow road rules at all times.
  2. Windshield Damage: Windshields can get damaged in the blink of an eye, and a small chip can turn into a major crack before you know it. If you have comprehensive auto insurance, you’ll help protect yourself from the cost of replacing your windshield. To avoid having to make a claim for replacing your windshield, be sure to have small chips addressed as soon as possible before the entire windshield needs to be replaced.
  3. Storm Damage: Storms can come on suddenly and cause plenty of damage to your vehicle and other property in a matter of minutes. One of the most common claim types made by drivers is for storm damage to their car, often from hail or falling trees. Having a protective coating applied to your vehicle can help you avoid hail damage, and although it requires an initial investment, it can save you plenty of money in the long run. To avoid other types of storm damage, store your vehicle in a garage or other covered area as often as possible.

These are a few ways to help protect your vehicle from the common cause of car insurance claims, but be sure to have a comprehensive auto insurance policy in place for extra protection! Contact Fargo Moorhead Insurance today for information on our affordable and flexible policies.

How Does a Traffic Ticket Impact Your Car Insurance?

Thursday, September 13th, 2018

You see the flashing lights behind you and you slow down to a stop. Your first thought is how this ticket is going to cost you. Then, you think about what it will do to your car insurance rates. It seems like a losing situation all the way around.

Which Traffic Tickets are the Worst?

First of all, it’s important to know that not all traffic tickets are the same. Some have a bigger impact on your auto insurance than others. Generally, the more serious the offense, the bigger the impact. For instance, a speeding ticket will have more affect than a parking violation.

If your ticket is a criminal offense such as driving under the influence, you’ll notice a big spike in your car insurance premiums. Otherwise, don’t necessarily assume the worst.

How Much Will It Affect Your Rates?

How much it impacts rates will vary. These violations add points to your record. The more points they add, the more your rates go up. The insurance industry uses a formula to determine how much you’ll pay for car insurance. You can safely assume that it’s similar to how many points will be added to your driving record even though they are two different systems.

Multiple violations will also have a bigger impact than a single occurrence. If you constantly get tickets for speeding, they will increase your rates even if each one is for just a few miles over the limit.

Do You Have Options?

If you find your insurance rates have gone up, you might want to talk to your car insurance agent. Find out if there is a safe driver course you can take that will lower your rates. While the offset may not be equal, it can help.

Taking a safe driver course implies that you are learning to be a safe driver and won’t be making the same kinds of mistakes which led to the tickets. You’ll want to make sure you don’t get caught making the mistake a second time.

Another option you have is to fight the ticket. If you truly did what you were ticketed for, you won’t get off without some kind of penalty. However, you can find out about getting a reduced charge, especially if there were extenuating circumstances. Sometimes you can get a no-point violation, which will help your cause.

Just remember that all tickets fall off your record after some time. If you start driving defensively and avoid getting any new tickets, you’ll gradually see your rates go down. You should also know that your tickets will show up anytime you get car insurance quotes, so be upfront and honest about them.

If you want to know more about how a ticket will impact your rates or what you can do about it, you can contact your insurance agent. They will work with you to make sure your car insurance is still affordable until you can get a clean record once again.

Top Add-ons Available with Your Car Insurance

Tuesday, September 11th, 2018

When shopping for car insurance in Fargo-Moorhead, most people look at price and liability coverage. Second is the amount of comprehensive and collision insurance they need. In addition to the basic coverage, many insurance agencies offer additional products and add-ons. Some are beneficial while others may not be necessary for your situation.

Gap Insurance

If you finance a vehicle, you may be offered gap insurance through the finance company. It pays the difference between the value of the vehicle and what you owe if your vehicle is totaled in an accident. Your car insurance provider may also offer this coverage and at a lower price. It’s worth considering so the next time you buy a vehicle, talk to your Fargo car insurance agent and find out the cost.

Roadside Assistance

Most insurance providers offer roadside assistance if you are stranded on the highway somewhere. It usually includes towing service and other assistance, such as providing gas and changing tires. This is a valuable add-on to include at a minimal cost on your policy. The only time you might want to skip the coverage is if you have it with the warranty on your new vehicle.

Rental Reimbursement

Another add-on is for a rental car if your vehicle is in a body shop after a covered accident. If you absolutely must have a vehicle, you’ll need a rental car until yours is repaired. If the accident is someone else’s fault, their insurance policy pays for your rental vehicle. If it’s a no-fault accident, you’ll need to pay for it or have your insurance cover the expense. Some repair companies include a loaner vehicle at no charge. You should also know that this benefit won’t work if your car is in the shop for other types of repairs.

Accidental Death Insurance

Some insurance companies provide this benefit which may also be known as funeral coverage. It can pay for your funeral expenses if you’re involved in a car accident. If you have life insurance, you won’t need this coverage, but it might come in handy if you don’t carry a life insurance policy.

Vanishing Deductible

To save money on car insurance, many people choose a higher deductible. When they must file a claim, they have to pay out that amount before the insurance provider will make a payment. It can be difficult to come up with $500 or more for some drivers. A vanishing deductible can give you the best of both worlds. You pay a lower rate because you choose a higher deductible, but it decreases over time until you have none. The only requirement is you must maintain a clean driving record to qualify for the lower deductible.

Add-ons are one reason it’s a good idea to talk to an insurance agent rather than just getting online quotes. You might discover you need more coverage than just the basics. It’s best to determine the right amount of coverage, including add-ons, before you need to file a claim.

Avoid Common Mistakes When Shopping for Cheap Car Insurance in Fargo

Saturday, September 8th, 2018

If you’re on the search for cheap car insurance in Fargo, you may search online for auto insurance quotes. Many people simply select the lowest price and sign up for a policy. However, you may regret being so hasty with your decision. Here are some common mistakes you’ll want to avoid when you’re looking for the best deal.

Assuming the Lowest Price is the Cheapest

Not all car insurance providers offer the exact same products. When you see the prices, you may assume its all for one level of coverage. However, this isn’t always the case. While all insurance providers must give you the minimum coverage required by law, they don’t need to be the same. One agency may offer a higher level of coverage for their base policy, which could make them show a higher price even if they are less costly.

When looking at car insurance quotes, make sure you check the coverage you’re getting. Then, when you select a policy, you know you’re getting the best deal.

Choosing the Basic Policy

If price is your top concern, you may click on the provider that gives you the cheapest car insurance. However, that may not be the best option for your needs. The basic policy will make it legal to drive in the state, but it may not be enough to protect you if you’re in a serious accident.

It’s often better to talk to an insurance agent directly than to just get online quotes. The agent will offer you a quote and explain which product they believe is best for you and why. They won’t try to sell you on the most expensive because they want you to be a long-term customer. However, they will attempt to provide guidance on the right coverage for your unique situation.

Not Factoring in Add-ons

Your car breaks down and you’re at least 25 miles from home. You don’t have roadside assistance on your vehicle so you have to pay for a tow truck to take your vehicle to a shop for repairs. Then, the repair person tells you it will take a week to get the parts and make the repair, all the time you’re without a car to get around.

You could prevent this scenario if you had roadside assistance and rental car reimbursement with your car insurance policy. When shopping for cheap car insurance, you may only think about basic coverage, but the add-ons could save you a lot of money in the long run. If you must pay out of pocket for all these extras, it can really add up. With a tight budget, you may not be able to afford it. At the very least, it will be an added inconvenience in an already stressful situation. Evaluate the available add-ons and consider if they will be helpful in the future. Most add-ons aren’t very expensive.

Avoid these common mistakes the next time you’re searching for Fargo car insurance and get the best deal on your policy.