Fargo’s population accounts for more than 15% of the state’s total. It’s low crime rate and low cost of living make it one of the most “livable cities” in the nation. Becasue of the beautiful landscape and great outdoor activities, the city attracts a decent amount of tourists each year. Many of the city’s homes are located in a flood plain though, so make sure are carrying proper coverage on your home and auto. It’s easier than ever to look over the many options for cheap insurance Fargo agents can offer, so we recommend doing so frequently.
Recommended coverage for Fargo:
- Comprehensive: Part of what is known as “full-coverage,” and sometimes referred to as OTC (other than collision). This covers your vehicle for all damage (and theft) that is not caused by an auto accident. For instance, it will cover your vehicle for flood damage.
- Uninsured motorist coverage: Because North Dakota is growing so rapidly, there’s an increased chance that you will be hit by an uninsured driver. This coverage will pay your injuries and cover a portion of the damage to your vehicle (if you have full coverage, it usually waives your deductible).
- Increased liability: More cars on the road means a greater risk of accident, so you want to make sure you have adequate liability coverage. If you are at-fault in an accident your financial security is at risk. Doubling (or tripling) your liability coverage is only a few dollars extra per month, but will help ensure you don’t suffer financially if you cause an accident.
