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Tips to Help You Switch Car Insurance if You Live in the Fargo Moorhead Area

Monday, August 13th, 2018

If you’re looking to switch car insurance in Fargo, you need to know the right steps to take. Here are some tips to help you make that change while ensuring you stay covered at all times.

Find the Best Deal

You’re probably looking for a new insurer for cheaper rates or for better customer service. Make sure you shop around so you know you’re getting the best deal. While you can save money with a different insurer, you also can cut your rates through loyalty discounts by staying with the same company for a long time. You don’t want to make moves at every renewal. Do your comparison shopping so you know you have the best rate possible.

Sign Up for New Insurance

Sign up for the new policy before you drop your current one. Make sure you know when the new policy will take effect. Most will begin coverage within one or two days as long as payment has been made. You also have the option of setting your coverage date if you want to wait until your current policy expires. You’ll want to have proof of insurance in your vehicle with the new policy once it takes effect.

Cancel Your Old Policy

You definitely don’t want to pay for two insurance policies, so call the old one and cancel. It usually takes a day or two for the policy to expire after notification. You may even have to pay out the rest of the period. Check with your insurer so you know when your coverage will end.

Make Sure All Claims are Finished

If you have an outstanding claim, you might want to wait to switch companies until it’s taken care of. Even though the insurer must cover you for any damage sustained during your policy period, you might find you get better results if you’re a current policyholder.

Check Other Products for Additional Savings

Once you switch your car insurance in Fargo, you may want to look at other insurance products as well. You may find you want to change your home insurance provider to the new company as well for the multi-product discount. Some insurance agencies offer life insurance, business insurance and other products. Usually the more insurance you have with one agency, the more you save. If you decide to change your car insurance provider because of the savings, you may want to look at other options as well.

It’s About More than Savings

Remember that car insurance is about more than just the rates. You want to find an agent who you can go to when you have questions or concerns. You want a provider that will process claims in a timely manner. They should make the claims process easier and less frustrating. If you’re considering switching to a new insurance provider, make sure you think about more than just the price. You want to find an agency that will work with you to meet your needs for coverage.

Why You Should Purchase More Auto Insurance Than You Think You Need

Tuesday, June 26th, 2018

When shopping for car insurance quotes in Fargo or anywhere in North Dakota, many people focus simply on price. They want to get the coverage required by law at the lowest price so they are legal to drive. While you do want to make sure you meet the minimum required coverage for North Dakota, you may not be getting enough protection with just this as your guideline.

The State Requirements

Before thinking about how much coverage you need, consider what’s required in the state. You must have liability coverage as well as no-fault coverage and uninsured or underinsured motorist coverage. The limits for liability are as follows:

  • $25,000 per person
  • $50,000 per accident for multiple people
  • $25,000 for property damage

You must also carry $25,000 coverage per person for an accident where the other driver was uninsured or underinsured. This coverage includes a minimum of $50,000 per accident if you had passengers.

Since North Dakota is a no-fault state, you must carry Personal Injury Protection that will pay for your injuries regardless of who is at fault. The minimum for PIP is $30,000.

Do You Need More?

When you get a quote for car insurance, most likely you’ll get pricing for these amounts. However, it may not be enough to cover you if you’re involved in a serious accident. You must realize that these limits aren’t the end of your responsibility, only that of your insurer’s.

You could be held liable for any expenses over the amount of coverage you have if you’re found to be at fault for the accident. Just think how far $25,000 will go if someone suffers a serious or life-threatening injury in a car accident. They may need surgery or multiple surgeries, physical therapy and long-term rehabilitation. All of these expenses add up, and you could end up paying out of pocket if you don’t carry enough coverage.

What Should You Do?

It’s best to talk to an insurance agent about your needs. People often think agents are just telling them to get more insurance to make a bigger sale. However, that’s not the way it works. An agent will look at your unique situation and consider what assets you have that would be at risk in a claim. They will advise you on how much insurance coverage you need to protect those assets.

You have two options for additional coverage. You may want to purchase more insurance by raising the limits on your policy. For instance, you can increase it from $25,000 per person to $50,000. The other option is to purchase an umbrella policy which will pay over your basic coverage. These policies often have million dollar limits to take care of major claims against you.

Don’t just look at the price when getting auto insurance. Think about how much coverage you would need if a major accident occurred. You want your insurance to be there for you when you need it, so make sure you have the right amount of coverage now.