When you’re purchasing a new car, or trying to save money, you want fast and easy quotes at your fingertips in a matter of moments. You don’t want to spend days searching high and low for the best deal and coverage. OnPoint insurance will hunt the best price and coverage type for you, so you don’t have to deal with all the hassle. 

How does it work? 

So you got a new car and are now hunting for the best rates, or you’re finally ready to make the switch and start saving money. Now what? Start off by calling one of our 5 offices located in Fargo, ND, Bismarck, ND, St. Cloud, MN, Oakes, ND, and Watertown, SD. Once we find out what type of coverage you’re looking for, we can get to work! We will hunt down the very best coverage for the lowest cost and lock in the best rate for you. Once you’ve selected a plan you love, you can choose your payment style. It’s that easy!

What You Need to Know About Auto Insurance

Auto Insurance is designed to financially protect you and your vehicle in the event of an auto accident. Your auto insurance policy is a contract between you and the insurance company that provides liability, medical, and property coverage. The required amount of coverage per vehicle varies between states. Some banks and auto loan lenders may require that the vehicle owner holds a certain amount of coverage on their vehicle as well. Our goal is to make finding the right policy and the right price easy. So what is the most important to you when developing a car insurance plan?

What are the different Types of Auto Insurance? 

The type of coverage you select will vary depending on what matters most to you, state laws, and requirements by your lender. There are 11 different types of coverage when it comes to protecting your vehicle. 


  1. Liability insurance
  2. Collision insurance
  3. Comprehensive insurance 
  4. Uninsured motorist insurance
  5. Underinsured motorist insurance
  6. Medical payments coverage insurance
  7. Personal injury protection insurance
  8. Gap insurance
  9. Towing and labor insurance
  10. Rental reimbursement insurance
  11. Classic car insurance 


These various insurance types can be packaged together to give you the best safety net for your vehicle, and some may be a requirement to add by law. The goal of the various sections of auto insurance ensures that all motorists are covered and safe in the event of a tragedy.

Ready to Make the Change? 

If you’re ready to start saving hundreds of dollars each year on auto insurance, give us a call! We would love to assist you in getting your vehicle covered with the best price and protection. Looking to bundle? No problem! Our full-service insurance agency can give you quotes to cover all of your needs! From home insurance to auto and life, all it takes is one call to quote them all!