Car Insurance

Auto Liability

Covers you for the cost of damages and injuries caused to another person when you’re at fault.

Comprehensive & Collision

Both cover damage to your vehicle but from different causes. Comprehensive covers things like weather & vandalism, while collision covers car accidents.

Personal Injury Protection

PIP is the “no fault” portion of insurance in MN. It covers your medical costs and lost wages up to a certain amount.

Uninsured / Underinsured Motorist

Covers what you’d normally receive from another driver’s liability insurance, in the case they have no insurance or not enough insurance.

Roadside Assistance

Helps you get back on the road if your vehicle is disabled.

Rental Reimbursement

Pays for the cost to rent a car while your car is unusable due to a covered loss.

And More

Auto Insurance Information

Why do you need auto insurance?

It’s really all about protecting yourself financially.

If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company’s level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Car Insurance Discounts

Multi-policy
Prior Insurance
Homeowner
Paperless
Good Student
Multi-vehicle
Accident-free
Violation-free
Pay In Full
Auto Pay
And More

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