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Posts Tagged ‘ car insurance fargo moorhead ’

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.

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.


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.