Car Insurance Quotes

Serving Auto Insurance Clients in the Fargo, Moorhead, West Fargo, and the Surrounding Areas.

With so many auto insurance companies plastering the Internet, radio, and TV, how do you know what company or coverage is right for you? We don't have cavemen, lizards, insurance stores, or celebrities, but what we do have is great coverage, fair claims service, and extremely competitive rates.

At the Lebahn Agency we write with two of the top four Auto Insurance Companies and the top three Motorcycle Insurance Companies in terms of written premium in the State of North Dakota. We can help you choose which coverage are right for you as well as point out which of the coverages are just costing you money. 

Auto Insurance Discounts

We offer several discounts which you may qualify for.
The most common discounts that are available are:

• Home Owner - Discount just for owning a home
• Good Student - Young Driver on the B Honor Roll
• Accident Free - No accidents or tickets in 3 years
• Defensive Driving Class - Taking a DDC class from the National Safety Council
• Multi-vehicle - Insuring more than 1 vehicle
• Proactive Customer - call for a quote more than 7 days before the policy is to start
• Package Discount - Having your Homeowners or Renters Insurance with the same company
• Paid in Full Discount - A large discount just for paying your premiums up front 

Types of Vehicles Written

• Personal Autos
• Business Use Autos
• Farm Vehicles and Trucks
• Campers
• Trailers
• Motorcycles
• ATVs
• Motorhomes 

Types of Drivers Written

We insure all types of drivers regardless of whether you have a spotless history, a couple minor violations, or a driving record that makes you mother hang her head in shame, we can place your insurance. We even issue same day SR-22s. We have a market for virtually every diver. 

Coverages

There are basically four main coverages in North Dakota and Minnesota, three of which are mandatory by state law. They are:

Liability Coverage's (Mandatory)

• Bodily Injury - Payment for injury to others for which you are responsible
• Property Damage - Payment for damage to other peoples property for which you are responsible

Uninsured & Underinsured Motorist Coverage (Mandatory)

• Uninsured and Underinsured Motorist Coverage are perhaps the most important part of your auto insurance policy. It is what protects you and the occupants in your car in the event somebody who does not have insurance, or does not have enough insurance, causes an accident in which you are involved. Basically your insurance company pretends that they are the insurance company for the other driver so that you and everybody else in your vehicle has somebody they can sue for their injuries.

Personal Injury Protection (Mandatory)

• In North Dakota and Minnesota PIP Coverage is what pays for your actual medical expenses, up to the limit of coverage, regardless of who is at fault for the accident. It also includes coverage for loss of wages, funeral expenses, an replacement services. This is considered "No-Fault" coverage as it does not matter who is at fault in the accident, the medical will be paid by your insurance company.

Physical Damage (Optional Coverage)

• Comprehensive Coverage- Pays for damage to your car caused by anything which in not a collision or due to a mechanical or maintenance issue. The most common claims in North Dakota are for damage to Windshields, Hail, and Deer.
• Collision Coverage - Pays for damage to your car done by an accident with another object. Most commonly this other object is a car, but it does include such things as buildings, shopping carts, and garage doors.

In addition to the main coverages, there are a few other options that you may want on your auto policy

• Towing & Labor - Also known as Emergency Road Service. Pays the cost associated with getting your car to a shop or to get it operational. It includes towing the vehicle to the closest service station, locksmiths, jump starts, and changing flat tires.
• Gap Coverage - When you have an accident in which your vehicle is considered a total loss, Gap Coverage is what will pays the difference between what the car is actually worth and what the bank loan for the car is currently at. Very beneficial when you still owe more to the bank than you could get if you sold it outright.
• Accessories and Custom Parts - Your auto policy includes $1,000 for accessories that you added to the vehicle as well as for custom parts. This coverage is what pays for the additional chrome, custom wheels, pickup bed liners, or any other additions to the vehicle which make it worth more than "book value".
• Rental Reimbursement - Pays for a rental car should your car become undriveable due to a collision or comprehensive claim. Can be purchased in the amounts of $30, $40, or $50 per day toward the cost of a Rental Vehicle. 

If you are interested in an Auto, Motorcycle, Travel Trailer or ATV quote, or a quote on any other line of insurance, please call us directly at (701) 282-9402 or you can use the online quote request form and we will contact you with a rate shortly.