Quick Guide to Finding a Fargo North Dakota Auto Insurance Agent

When trying to find a licensed insurance agent in Fargo, you can always start your research by getting online comparison quotes rather than picking up the phone. It’s likely that not only do you want a good professional insurance agent, but you also need the lowest possible price.

With Allstate, Farmers, State Farm and many independent agents all competing for business in Fargo, consumers have a hard time knowing which provider will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes to get a list of insurance agents and thier coverage prices.

Fargo agents for auto insurance

Insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Fargo.

To help locate an agent, after submitting this simple form, your coverage information gets sent to participating agents in Fargo who will return price quotes for your insurance coverage. You don’t have to leave your house due to the fact that quote results will go to your email. It doesn’t get any easier!

Not all insurance agencies are the same

When finding a good Fargo insurance agent, you must know there are a couple different agency structures from which to choose. Agents are categorized either captive or independent. Both properly insure your vehicles, but it’s worth learning the differences because it can impact your agent selection.

Independent Insurance Agents

Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.

When comparing rates, you should always include price quotes from at least one independent agent to have the most options to choose from.

Listed below is a short list of independent agents in Fargo who may be able to give you comparison quotes.

SMS Insurance Marketing Inc – 2108 University Dr S # 106a – Fargo, ND 58103 – (701) 293-0203
Agather Agency – 2108 University Dr S # 106a – Fargo, ND 58103 – (701) 293-0202
Sullivan Agency LTD – 5990 14th St S – Fargo, ND 58104 – (701) 237-5533
Insurance Training Inst – 3217 Fiechtner Dr S – Fargo, ND 58103 – (701) 235-6627
Bob Roesler Agency – 15 Broadway N # 101 – Fargo, ND 58102 – (701) 271-6902

Captive Insurance Agents

Captive agents write business for a single company and examples are Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so always compare other rates. Captive agencies receive extensive training on their products and sales techniques and that can be a competitive advantage.

Listed below are Fargo captive agents that can give you rate quotes.

Farm Bureau – 1101 1st Ave N – Fargo, ND 58102 – (701) 298-2200
State Farm Insurance – 2551 45th St S # F – Fargo, ND 58104 – (701) 281-5215
Allstate Insurance Co – 304 25th St SW – Fargo, ND 58103 – (701) 235-9868
Farmers Insurance Group – 825 28th St SW – Fargo, ND 58103 – (701) 239-2448
American Family Insurance – 1330 Page Dr S – Fargo, ND 58103 – (701) 293-8932

For a full directory of captive agencies in Fargo, view this link.

Picking an auto insurance agent shouldn’t rely on just the premium amount. These questions are important to ask:

  • Are they full-time agents?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Will your rates increase after a single accident?
  • Which company do they place the most coverage with?
  • Do they specialize in personal lines coverage?
  • Can they give you a list of client referrals?
  • Who is covered by the car insurance policy?

Upon getting acceptable answers to any questions you have and a good coverage price, you may have just found a car insurance agent that will properly service your auto insurance policy.

Consider all buying options to save money

Insurance agents can be invaluable at times, but you also have the option of buying North Dakota car insurance direct from companies online. Certain auto insurance companies who sell through agents in Fargo also allow consumers to quote and buy online, so this should also be taken into consideration to possibly find a better rate.

If you’re uneasy about not having professional advice when shopping online, don’t be too concerned. Auto insurance companies that allow you to purchase coverage have customer service departments for getting the best coverage. Additionally, most companies also offer the ability to chat online live with a sales rep and online research that can help answer basic questions.

Are online companies cheaper? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that can increase policy rates. Common sense would say that buying directly from the company saves the cost of an agent commission. But in most cases, marketing expenses are significant and those expenses can offset most of the savings by selling direct.

The best way to determine if the cheapest policy comes from an agent or online is to get free quotes from both and compare them. You could possible even receive different price quotes from the exact same provider when using both online and agent quotes. It’s just impossible to know whether online or agents have the lower rates without quoting coverages from both ways.

Learn more about auto insurance in North Dakota

More information is available on the website for the North Dakota Insurance Department. Click here for link. Visitors are able to read state legal mandates and laws, find out which companies have the most complaints, read enforcement actions against agents and companies, and learn about specific coverages.

Best insurance agents in Fargo North Dakota

The articles below may also help you learn more about auto insurance in Fargo

In conclusion

Consumers who switch companies do it for a number of reasons such as policy non-renewal, high rates after DUI convictions, being labeled a high risk driver or even unfair underwriting practices. Regardless of your reason, choosing a new company is not as hard as you think.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, drivers have reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.