Car Insurance Fargo

Recently while shopping for Car Insurance in Fargo, I noticed that there was a definite lack of quality information. Since I'm a web designer and have been marketing online for the past 15 years, I saw this as an opportunity.

When shopping for car insurance you need to start with a small group of high quality companies so you can compare a few different quotes. I started by doing some research on the highest rated companies doing business in Fargo. My short list included:

• Auto Owners Insurance
• State Farm - I had been insured by them since I was 16 yrs old.
• Progressive Direct
• Geico
• Allstate
• American Family
• Safeco - Had our home owners policy at the time
• Nodak Mutual
• Farmers Insurance

Most companies offer multi-car discounts, so you should shop for all vehicles including motorcycles, personal watercraft, boats & snow mobiles all at once.

If you own a home, you should shop for a home owners policy at the same time as well.

These discounts make the biggest difference in the rates you will find. Once we had quotes on everything it became obvious who was the best company to choose in our situation.

With all the financial turmoil that was going on at the time, I also wanted to make sure that the company I chose was strong financially and would be there to pay any claims.

Since we now have 2 teenagers who are beginning to drive we also added a $1,000,000 Liability umbrella policy to provide us additional protection in case of an accident.

Since we see so many ads on TV telling how much money people save by switching to Geico, Progressive Direct, AllState etc. I was really expecting these companies to blow away their counterparts, but they didn't.

In fact, we ended up going with an Agent based company and I think you too will be surprised when you shop around to find out how competitive the older companies have become. Which company offers the best rate really does depend upon your situation. A few of the things that make the biggest difference are:

• Your Credit Score
• How Many Vehicles You Are Insuring
• Your Age and Driving Record
• Multi-Line Discounts ( home owners + auto )

The link below will take you to the web site that I put together. I put it together using a insurance premium cost the ND Insurance department put together in March of 2009. It gives you a good idea of how companies stack up for your insurance category.

If nothing else, it's a great starting point in your search for the best car insurance in Fargo!