Locally owned independent insurance agency serving both North Dakota and South Dakota


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At Western Frontier Insurance Agency, we offer a full range of insurance products to protect your home, autos and business, as well as farm and ranch property.


Home Insurance


Auto Insurance


Farm Insurance


Crop Insurance


Business Insurance


Flood Insurance


Life Insurance


Health Insurance


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Bowman News

Congratulations to Caleb Duffield on being named Region 7 Senior Athlete of the Year! ... See MoreSee Less

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Congratulations to Samantha Oase of the Hettinger-Scranton Night Hawks! ND Miss Basketball for 2021! ... See MoreSee Less

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Our office in Bowman will be closed on November 26 & 27 for the Thanksgiving Holiday! Happy Thanksgiving from Warren, Ty, Marsha, Darrren & Erika! ... See MoreSee Less

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Give me a call or text for a FREE home & auto quote today!

701-206-0749 (cell)
701-523-4333 (office)
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Juvenile Term Life Insurance

*Simple application process.
*Face value amounts of $10,000 or $20,000.
*One-time premium of $200 or $400.
*Issue ages from birth to 15 years old.
*Tax-free death benefit.
*The death benefit is protected from creditors.
*Conversion to permanent insurance when the child reaches age 25 without any health qualifications.

Call Ty Dix today at 701-523-4333 for more information.

Text - 701-206-0749
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Happy Veterans Day! Thank a Veteran for their service today! ... See MoreSee Less

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While deer crashes occur year-round, November has the highest number of crashes. Remember to always wear a seat belt when driving, whether on highways or rural roads. It is your greatest protection in an impact-related crash.

For more safe driving information please go to this link: www.dot.nd.gov/divisions/safety/streetskills/wildlife.htm
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Happy Election Day! ... See MoreSee Less

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Hazen News

I've shared a couple posts about some of the firefighters I know hosting and taking part in extraction classes today. Along with info about the state fire convention being held in Bowman.
My main purpose is to try to remind everyone out there of the dedication our small town volunteer ran departments and their members that dedicate many hours to keeping us all safe!
If you see a vehicle in ND with a red license plate, be sure to thank that fireman, ambulance personnel, or first responder for their service to the citizens of North Dakota!
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Move over for line crews ... See MoreSee Less

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From the North Dakota Highway Patrol FAQ page:
Do I need to contact law enforcement if I hit a deer?
If a motorist hits a deer or other undomesticated animal, the motorist does not need to report the crash to law enforcement, if the crash results in property damage only regardless of the amount of damage to the vehicle.
If someone is injured as a result of the crash, law enforcement must be contacted.
If your vehicles disabled, law enforcement can provide assistance.
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Anyone else enjoying the amount of outside moistness......? ... See MoreSee Less

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Join us for a good night of fun tomorrow! ... See MoreSee Less

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Karina and Kaitlyn are selling Girls Scout cookies at our office today till 5:30! ... See MoreSee Less

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Happy birthday to our fearless leader!
If you happen through Bowman this week stop in!
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With our cold temps this month, remember to check your sewer vents and furnace exhaust!
Gasses from either can cause sickness or even death!
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With the crazy seasonal LOW temps we are having, travel safe everyone!
I have attached some winter travel tips for your information.
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Think about attending the North Dakota Cowboy Hall of Fame annual meeting! ... See MoreSee Less

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Hettinger News

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Washburn/Wilton News

Western Frontier Insurance is proud to be a part of Taste of Washburn 2021! ... See MoreSee Less

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1 years ago

Western Frontier Insurance Agency of Washburn & Wilton

Western Frontier Insurance Agency of Washburn & Wilton ... See MoreSee Less

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1 years ago

Western Frontier Insurance Agency of Washburn & Wilton

Western Frontier Insurance Agency of Washburn & Wilton's cover photo ... See MoreSee Less

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Southwest Insurance Agency opened in 2001. Later, in 2007, they changed their name to Western Frontier Insurance Agency, Bowman, ND. They now have five locations throughout Western North Dakota to best serve their clients.

105 S Main
Bowman, ND
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The following is a helpful article from EMC Insurance Companies: What Is Hydroplaning?

Hydroplaning can happen when water flows between your car’s tires and the pavement. The water prevents tires from gripping the road, which can lead to a loss of steering control and accidents. The effects of hydroplaning are similar to the loss of control drivers experience when driving on icy streets. It may feel like your vehicle is floating and that you have no control over the direction you are heading. For a description of how and why hydroplaning occurs, watch this short video.

Prevent Hydroplaning

“There are ways to prevent hydroplaning,” says EMC Senior Engineer Jim Stotser, “starting with good vehicle maintenance, and following up with training drivers how to handle situations where hydroplaning may occur.” These include:

1. Checking your tires. When performing maintenance, make sure tire tread is in good condition and tires are inflated correctly. The lower your tire inflation and thinner the tread, the greater the possibility of hydroplaning. That’s because deeper tire grooves scatter the water you drive through, allowing for better traction. Rotating tires frequently and replacing them as needed keeps you safer on all roadways, but especially on those that are water- or ice-covered.

2. Understanding the dangers. It’s not just heavy rains and deep puddles that cause hydroplaning.One of the most dangerous times for hydroplaning is within the first 10 minutes of a rain shower. Raindrops mix with dust and oils on the road, and the combo makes a very slick surface. Driving through a large puddle or an area of standing water—even if it’s not raining and the streets aren’t fully wet—can also create conditions for hydroplaning.

3. Driving slower and hanging back. Slowing down is the safest move when the pavement is wet. Not only will you have better visibility, but the slower you drive, the less likely you are to hydroplane. That’s because tires get better traction on wet pavement at lower speeds. How much slower to drive depends on how much rain, the type of pavement and your tire condition. Some experts say that hydroplaning is rare at speeds as low as 30 mph, others suggest 45 mph as a sufficiently safe speed when the pavement is wet. Leave more space between your vehicle and those ahead of you, as it will take longer to stop your vehicle when the pavement is wet. When driving 35 mph on wet pavement, it may take 120 feet or more to come to a stop, while dry-road stops take only 60 to 100 feet.

4. Turning off cruise control. Driving with cruise control on can cause your tires to spin faster if you start to hydroplane, so turning this feature off is a proactive move. Jim also recommends that truck drivers avoid using Jake brakes when driving on wet pavement.

5. Changing lanes if possible. Jim notes that right lanes often have deeper depressions that collect rainwater and those dips can collect enough water to cause hydroplaning. Outside lanes bounded by curbs may also funnel more water flow, which can lead to an increased hydroplaning risk. Freeway exit and entrance ramps also pose a similar water-flow danger. When water combines with the sharp curves of ramps, you can easily lose control of your vehicle. His advice: Slow down when entering a ramp when the pavement is wet.

If you do begin to hydroplane, take your foot off the accelerator, continuing to steer toward the course of the road and remaining calm.
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Thank you to our farmers...be careful out there!Holy cow! KFGO listener Dave Bjorge of Buxton, N.D., sent this photo of his Case IH combine burning. Noboby was injured, thankfully. The combine didn't fare so well. ... See MoreSee Less

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