Nodak Insurance: Trusted Provider of Insurance in Fargo, ND and Beyond

Finding the right insurance company to protect your auto, home, business, health, and life can seem like a daunting task. You want an insurer that offers robust coverage options at affordable rates along with top-notch customer service. For over 75 years, Nodak Insurance has delivered all of this and more for residents and businesses across North Dakota. This article provides an in-depth look at Nodak Insurance and what makes it a leading insurance provider in Fargo and beyond.

Overview of Nodak Insurance

Nodak Insurance is headquartered in Fargo, ND and offers a full range of insurance products throughout the state. Some key facts about the company:

• Founded in 1946 in Casselton, ND; moved to Fargo in 1965
• Mutual company owned by policyholders
• A+ financial strength rating from A.M. Best
• Over 180,000 policies in force statewide
• 270+ employees at their Fargo headquarters

The company has grown steadily over the decades to become the largest home-based insurance company in North Dakota. They expanded beyond auto and farm policies to offer coverage for homes, businesses, health, life, and more. However, Nodak has maintained a community-focused approach to providing insurance.

Insurance Products Offered by Nodak

Nodak Insurance offers all major types of personal and commercial insurance coverage:

Personal Insurance

• Auto insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Valuable items insurance
• Recreational vehicle insurance
• Motorcycle insurance
• Boat insurance
• Classic car insurance
• Snowmobile insurance
• Personal umbrella insurance

Business Insurance

• General liability insurance
• Property insurance
• Workers’ compensation
• Commercial auto insurance
• Professional liability insurance
• Cyber/data breach insurance
• Commercial umbrella insurance

Farm Insurance

• Farm property insurance
• Farm liability insurance
• Livestock insurance
• Farm equipment insurance
• Commercial agribusiness insurance

Life and Health Insurance

• Term life insurance
• Whole life insurance
• Annuities
• Long-term care insurance
• Disability income insurance
• Accident insurance
• Vision insurance
• Critical illness insurance

This wide range of policies offered by one company allows both individuals and businesses to consolidate their insurance needs with Nodak. Bundling multiple policies together can also result in discounts.

Why Insure with Nodak Insurance?

There are many good reasons for Fargo residents and North Dakota businesses to choose Nodak Insurance for their insurance needs:

Strong Financial Ratings: Nodak maintains an A+ or “Superior” rating from A.M. Best, an independent assessor of insurance company financial strength. This provides assurance they have the resources to pay out claims.

Local Expertise: Their North Dakota roots means they understand the unique insurance needs in Fargo and the surrounding region. They tailor coverage to mitigate local risks.

Highly Rated Service: Nodak consistently earns high marks for friendly, responsive customer service and claims handling. Their team aims to simplify insurance.

Competitive Rates: As a smaller company, Nodak can focus on keeping rates affordable through prudent underwriting and efficient operations. Bundling policies saves money too.

Dividends for Policyholders: The mutual company structure allows Nodak to return a portion of premiums back to policyholders as dividends when financial goals are exceeded.

Flexible Payment Options: Customers can pay bills monthly, quarterly, semi-annually, or annually and set up recurring automated payments.

Value-Added Benefits: Nodak includes useful benefits like identity theft protection, travel assistance services, and home cyber protection at no added cost.

Easy Claims Filing: File claims quickly online or via their mobile app. Nodak has an in-house claims team for fast processing.

Strong Community Support: Nodak gives back generously to North Dakota communities through donations, grants, scholarships, and sponsorships.

Nodak’s Drive4Less® Usage-Based Auto Insurance

One innovative offering from Nodak Insurance is their Drive4Less auto insurance program. This gives discount incentives based on safe driving habits monitored through their mobile app. Anyone can enroll, but it’s especially beneficial for high-risk drivers like teens, college students, and military members.

Drivers download the Drive4Less app and allow it to monitor things like speed, acceleration, braking, and mileage. The app uploads the data to Nodak where it generates a score from 1 to 100. Based on the score, you can earn discounts up to 30% off your auto insurance.

The program gives you control to improve your driving through the feedback in the app. Parents can also view teens’ driving scores. For less than $100 per year added to your policy, it’s an inexpensive way to potentially lower premiums substantially.

Getting a Quote from Nodak Insurance

Shopping insurance rates is quick and easy both online or by contacting a local agent. Visit Nodak’s website and provide some basic details like:

• Type of insurance needed (auto, home, business, etc.)
• Your address and vehicle information
• Desired coverage types and limits
• Current insurance status
• Demographic details like age, driving record, etc.

You will then receive a customized premium quote for consideration. Nodak also has a mobile app you can use to manage your policies, file claims, make payments, and more.

Find a Nodak Insurance Agent in Fargo, ND

While Nodak offers online quotes and policy purchase, many customers appreciate having the expertise of a local insurance agent. Nodak partners with over 400 independent agents across North Dakota.

Search their website by city or ZIP code to find agents near you in Fargo and other communities. Their agents provide:

• Help choosing adequate coverage limits
• Bundling discounts for multiple policies
• Comparing rates for students away at college
• Filings claims and resolving issues
• Addressing questions and concerns

Agents have established relationships with Nodak’s underwriters to best represent customer needs.

Key Takeaways About Nodak Insurance

• Nodak offers all major insurance types for individuals and businesses.

• The company has maintained an A+ financial strength rating for over 30 years.

• Local expertise in North Dakota’s unique risks helps customize coverage.

• Usage-based auto insurance through Drive4Less provides discount incentives for safe driving.

• Quote and buy policies online or enlist the help of a local independent insurance agent.

• Strong customer service ratings and claims handling is provided.

For Fargo residents looking for the right insurance at the right price backed by excellent service, it’s easy to see why Nodak Insurance is a top choice. They provide the coverage North Dakotans need plus helpful tools like Drive4Less and the mobile app. With over 75 years of experience protecting their community, you can trust the Nodak name to safeguard what matters most.