Auto Insurance

Auto insurance today is treated like a commodity where the only difference between alternatives is price. While our agency agrees that the best place for your money is in your own pocket, we realize that providing adequate coverage to meet your needs is vital. By insuring your vehicles with our agency, you will have the peace of mind of knowing you will receive professional advice regarding appropriate coverage, yet still select from over 10 companies to receive a fair price.

Auto insurance in Minnesota requires several coverage options. To drive a car in Minnesota, your auto insurance policy must include bodily injury and property damage liability (provides coverage for someone else’s injury or damage if you are negligent), uninsured motorist (provides coverage if you are injured by someone with no insurance), underinsured motorist (provides coverage if you are injured by someone with inadequate insurance), and personal injury protection (basic medical insurance protection in Minnesota).

How much coverage do you need?

If you injure someone in a car accident, you may be held liable for their medical expenses, loss of wages, and potentially pain and suffering. These damages could financially devastate your family if you are not adequately insured. The liability limit you select should reflect your net worth.

The need for physical damage coverage for your own vehicle is dependent on the age and type of vehicle you own. As a general rule, if you are unable to afford a replacement should your vehicle be destroyed, you should consider physical damage coverage.

Your home is probably your most valuable asset and your escape from a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the need to return your life to normal as soon as possible. We can help you select from over 10 companies to determine which will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

How much coverage do you need?

You want your insurance coverage to rebuild your home exactly as it is today in the event of a catastrophe. Our agency will work with you to determine the insurable value of your home and outbuildings. We will then work with you to tailor coverage to meet your specific needs. Any items of significant value such as musical instruments, jewelry, firearms, boats, and recreational vehicles also need to be discussed to make sure these items are covered properly.