Auto Insurance
Driving comes with its own set of risks; icy highways, roads where deer crossings are common, and hailstorms that can leave vehicles damaged. At Bowerman Insurance Agency, we provide auto insurance that keeps you protected on every trip. As an independent insurance agency, we offer multiple carriers to find the right coverage and cost for your needs.
Coverage That Fits North Dakota Drivers
Auto insurance isn't just about meeting state requirements-it's about making sure you and your family are protected from the unexpected. It is comforting to know you're protected with reliable auto insurance. It may be a financial burden if you're not covered and have an accident. Auto insurance provides protection in case of an accident, vandalism, theft, animals, natural disasters, liability, and medical coverage. Companies also offer additional discounts for multi vehicles, multi policy, defensive drivers, good student, to name a few. We offer coverage options including:
Liability Coverage
Coverage for damages and injuries of others and protects you financially if you're at fault in an accident.
Collision Coverage
Coverage for repairs if your vehicle is damaged in a crash.
Comprehensive Coverage
Covers hail, deer collisions, theft, and other non-collision losses.
Uninsured/Underinsured Motorist
Protection if another driver doesn't have enough insurance or none at all.
Personal Injury Protection Coverage
Is often referred as no-fault insurance, which typically covers a range of expenses including medical expenses, lost wages, and funeral expenses.
Meeting State Requirements & Beyond
All states require drivers to carry liability insurance, but for most households, that's only the starting point. We'll help you understand the state minimums, then explore options for broader protection.
Ways to Save on Car Insurance
Affordable coverage matters. We'll help you find discounts that can make a real difference, such as:
- Multi-policy bundles with Homeowners Insurance or Farm Insurance
- Multi-car discounts for households with more than one vehicle
- Good student and defensive driver savings
- Discounts for accident-free or claim-free history
High-Risk & SR-22 Coverage
If you've had a lapse in coverage, multiple tickets, or require an SR-22 filing, Bowerman Insurance can help. We work with carriers that specialize in high-risk auto insurance so you can get back on the road legally and affordably. For most clients, SR-22s can be filed the same day.
Classic Car Insurance
Classic car insurance protects your collectible vehicle through a specialized insurance policy. Antique cars are often maintained or increased in value, so classic car insurance typically covers up to an agreed value. A car is often considered classic when it's at least 10 years old and has historical interest, but classic car insurance companies have their own rules for accepting vehicles into their program. For instance, you may be subject to qualifiers like age, driving experience and record, and access to another vehicle.
Classic car insurance is similar to a regular auto policy, with the benefit of having coverage for your vehicle's agreed value and its specifications such as usage, storage, and more.
Classic car insurance coverage is for property damage and bodily injury when you take your classic car to auto shows, tours, and collector vehicle functions, and for occasional pleasure driving.
Benefits of Classic Car Insurance
Further specialized coverages include (common options on a Classic Auto Insurance Policy, but it depends on the company and may not be offered at all):
- Increased replacement cost: If your car increases in value beyond its agreed value, this coverage will pay for the difference.
- Roadside assistance: Including towing only with a flatbed tow truck to prevent wear and tear while transporting to a repair shop or back home.
- Auto Show medical reimbursement: In case someone sustains an injury at an exhibit or event featuring your car.
- No attendance required: Provides coverage while you are away from your vehicle as it is being displayed, such as at a car show.
- Spare parts coverage: Covers damage or theft of spare parts like tires, valves or other gear, as part of a covered incident.
- Cash settlement option: If your car is totaled or stolen, you can opt to take a cash payment without the requirement that you use it to repair or replace your vehicle.
Classic car insurance companies will also provide the most common car insurance coverages such as liability, personal injury protection and uninsured motorist coverage, as well as comprehensive and collision coverage.
Collectible Car Types
Different to other collectables and antique items, a collectable car is not defined by its age. Rather collectable cars can be cars with historical importance, cars that pioneered new technology or raised the standard of consumer expectation.
When looking at the car collections, they fall into four predominant categories:
- Exotic:
- Antique:
- Muscle Car:
- Classic Cars:
- Age:
- Rarity:
- Design:
Modified car insurance: Defined by many companies as being significantly altered in its engine, body, chassis or interior from its original condition, which can negatively or positively change the value.
A Local Agency That Knows the Roads You Drive
From small-town streets to busy intersections, we've spent decades helping our customers stay protected. Because we're local, we understand the unique driving challenges (winter ice, long rural commutes, and unpredictable weather) and we can help make sure your policy accounts for them.
Auto Insurance FAQs
Is auto insurance required in North Dakota?
Yes. Drivers must carry liability coverage, along with uninsured/underinsured motorist coverage. We'll walk you through the requirements and options.
How can I lower my car insurance premium?
Bundling policies, maintaining a clean driving record, and asking about discounts can all help. [Contact Us] to review your options.
Does auto insurance cover hail damage or deer collisions?
Yes-these are covered under comprehensive coverage, which we strongly recommend in North Dakota.
What coverage do I need for a teen driver?
We'll help you add your new driver to your policy and explore discounts that can offset the increased cost.