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Best Local Car Insurance Agencies in Fargo

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Far North Insurance logo
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Far North Insurance

3357 39th Street South, Fargo, ND 58104
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  • Full Commercial Lines
  • Multiple Carriers
  • Bundling Option

Business Description

Far North Insurance is a family-owned and family-operated business that provides risk management solutions to individuals and families in Fargo, North Dakota, and across the midwest. From personal lines to business coverage, it works to link the protection customers need to the life they want. As an independent agency, it represents multiple carriers, including Auto Owners, Progressive, Foremost, Safeco, CNA Surety, and Hagerty. The professionals at Far North have over 60 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (36)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fargo Moorhead Insurance logo
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Fargo Moorhead Insurance

428 25th Street South, Fargo, ND 58103
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  • Multiple Carriers

Business Description

Established in 1972, Fargo Moorhead Insurance is a Fargo-based independent insurance agency specializing in auto, homeowners, business, health, and life insurance. The agency understands that being involved in any type of accident is anyone's worst nightmare, therefore its team of professional agents is prepared to plan contingencies to provide clients with physical safety and financial security via an auto insurance policy. Additionally, the agency also offers a comprehensive safety net that covers all of a family's insurance needs, whose coverage is entirely up to the client's preferences and needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (56)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Great North Insurance logo
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Great North Insurance

3220 4th Street East, West Fargo, ND 58078
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  • Multiple Carriers

Business Description

Great North Insurance Services is an insurance firm in Fargo that is licensed to do business in 26 states. It has a comprehensive line of insurance products, including auto insurance. Its agents take on the task of helping motorists find suitable insurance programs that will support them financially in the event of an automotive emergency. Great North Insurance Services also offers specialty insurance for boats, motorcycles, and RVs. The Fargo Moorhead West Fargo Chamber of Commerce awarded it Small Business of the Year in 2016.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (125)
Facebook
4.7 / 5 (69)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hektner-Lybeck-Erickson Insurance logo
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Hektner-Lybeck-Erickson Insurance

3345 39th Street South, Fargo, ND 58104
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  • Multiple Carriers

Business Description

Hektner-Lybeck-Erickson Insurance is a professional and full-service insurance agency that serves residential and commercial clients in Fargo and nearby areas in the Tri-state area. It offers a complete line of insurance services such as comprehensive auto insurance related to physical damage and acts of nature, motorcycle insurance, boat insurance, health insurance, and commercial insurance. The company is composed of a well-qualified workforce of professional staff capable of evaluating the needs of each client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Heritage Insurance Services - Fargo logo
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Heritage Insurance Services - Fargo

3441 45th Street South, Fargo, ND 58104
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  • Multiple Carriers

Business Description

Heritage Insurance Services is a family-owned and operated insurance business managing the auto insurance plans of Fargo car owners and drivers. The business determines the risks of each client before shopping for auto protection coverages. Its team is equipped to curate auto policies with various coverages such as comprehensive, collision, and uninsured and underinsured motorist. Clients can also include bodily injury and property damage as additional protection. The company also donates to non-profit organizations, contributes to local scholarships, and participates in community projects.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (22)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
OnPoint Insurance Services logo
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OnPoint Insurance Services

3285 47th Street South, Fargo, ND 58104
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  • Multiple Carriers
  • Motorcyle & ATV
  • Bundling Option
  • Life Insurance

Business Description

OnPoint Insurance Services is an insurance solutions company operating in the Fargo metro and surrounding cities. The company has a team of experienced car insurance agents that helps clients navigate their options for protecting themselves and their vehicles from unforeseen traffic accidents, damages, and liabilities. It also offers coverage for recreational vehicles such as ATVs, snowmobiles, and motorcycles. OnPoint Insurance Services works with over 150 insurance providers and offers 24-hour customer service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Facebook
5.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RJ Bailey Insurance Center logo
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RJ Bailey Insurance Center

3611 Lincoln Street South, Fargo, ND 58104
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  • Multiple Carriers

Business Description

RJ Bailey Insurance Center is an independent agency that has been offering car insurance services since 2009. The business caters to clients in Fargo and the surrounding areas. Its team of local advisors provides insurance for cars, trucks, motorcycles, classic cars, and motor homes through policies that include collision and comprehensive coverage options. They also deal with other personal and commercial insurance products, such as property, business, health, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (17)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Superior Insurance Agency - Fargo logo
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Superior Insurance Agency - Fargo

1002 28th Street South, Fargo, ND 58103
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  • Motorcyle & ATV

Business Description

Superior Insurance Agency is a local car insurance provider in the Fargo area. Its team of agents has over 50 years of collective experience in the field. They specialize in crafting auto insurance and recreational vehicle insurance plans. Customers may also opt to bundle their home and auto insurance policies under Superior Insurance Agency to maximize the benefits that they can receive. In addition, 24-hour customer and claim services are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Todd Vanyo logo
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Todd Vanyo

4675 40th Avenue South, Fargo, ND 58104
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Business Description

Based in North Dakota, Todd Vanyo is a State Farm insurance agent providing insurance products and services to locals in Fargo and nearby areas. He offers comprehensive car insurance with coverage options for collision and non-collision accidents, theft and vandalism, liability to others, medical and funeral expenses, emergency road service, and uninsured or underinsured motor vehicles. Clients may also avail of specialized insurance coverage for car rental and travel expenses, rideshare drivers, new and teen drivers, sports cars, and classic and antique cars.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Yahnke Insurance Agency logo
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Yahnke Insurance Agency

1704 Main Avenue, Fargo, ND 58103
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  • Multiple Carriers

Business Description

Yahnke Insurance Agency is an independent insurance agency in Fargo that represents many companies offering personal and commercial lines insurance products. Serving the states of North Dakota and Minnesota, its team of professionals helps clients insure privately owned and commercial cars and vehicles. Auto insurance coverage may include collision and comprehensive, liability, and personal injury protection. The agency's professional auto insurance agents can also assist in selecting the right insurance coverage for antique cars.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (29)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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