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Auto Insurance Fargo - Moorhead - Bismarck
Call us today to receive a complimentary consultation. This review is absolutely free and there is no further obligation.
We often talk about auto insurance as though it is simply one item but in reality there are multiple types of auto insurance and it will be your job to decide which you need and at what level of coverage.
Here is a list of the most common auto insurance types:
Liability Insurance – this is the most important type of auto insurance. This protects you against paying the cost of any damage or personal injury that is caused by your automobile. Most states require that you have at least minimum levels of liability insurance.
Collision Insurance – pays for your vehicle repair or replacement if you are the driver who is found to be responsible for an accident. If you are leasing or making payments you are often required to carry collision insurance as a safety precaution.
Comprehensive Insurance – will cover the repair or replacement of your vehicle if there is damage done by an unknown party (hit and run, vandalism) and/or a tree falls on your car.
Personal Injury or Medical Payment – provides for treatment caused by an accident regardless who is at fault. Limited to immediate treatment though.
Underinsured or Uninsured Motorist– protects you when you are not to blame for the accident but the other driver does no have insurance or is not insured well enough.
Gap Insurance – If you are leasing a car or making payments on your vehicle it is possible to owe more than the “replacement value” of the vehicle. Gap insurance covers the difference between the two.
Insurance Policy Extras:
- • Towing Insurance
- • Auto Glass Insurance
- • Rental Car Insurance
Contact us for seven ways to save on your auto insurance. (click here)
Testimonials
“When my previous insurance policy was up for renewal, I took the opportunity to shop around. I was so pleased with what Jorin could do for me—not only did my premium decrease, but I was able to add a few nice features as well. Jorin took the time to review all of the details with me, explain the pros/cons and helped me select a policy that I was not only comfortable with, but also very confident in. They went the extra mile to make the transition smooth and made me feel very welcome and valued!”
- Jakelle C
"I would highly recommend Steve Aune. His ability to get things done has exceeded my expectations as he worked very hard to ensure my claim was handled properly. I was in an auto accident this fall and had a check from them in my mailbox the next day! I am very confident in Steve’s ability to work with the adjusters to get claims paid. I feel it is unnecessary to shop around for lower rates because even if I find cheaper premiums, I am unwilling to sacrifice the quality of service I get with Steve and his team."
- Jonathan D.
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