Auto Insurance That Protects Your Windshield in Buffalo, Minnesota

If you are already holding an automobile insurance policy for your vehicle in the Buffalo, Minnesota area, you may be wondering if you have the coverage that you actually need. With the bitter cold winters that we have here, which include hailstorms quite frequently, having a windshield cracked due to hail is pretty common. In fact, cracked or broken windshields are pretty common in general. Since it is one of the most common vehicle repairs, many automobile insurance policy holders decide to include windshield coverage in their car policies. Whether you are planning your next trip to fish in the waters of Lake Pulaski and Buffalo Lake, or you are driving to the many local antique shops, make sure that you are driving safely by having the following policy coverage.

The types of car insurance that are typically included in an auto policy include the following:

Liability Coverage: This covers you in case you accidentally cause harm to another person and/or another vehicle when you are on the road. Liability coverage would include the windshields of other people’s vehicles, but would include no part of your own vehicle.

Comprehensive Coverage: Comprehensive coverage is that which takes care of damage caused by nearly anything that isn’t an accident. It can include damage from animals, damage from acts of God like hailstorms, and can also provide coverage for replacement due to theft.

Collision Coverage: Collision coverage is that which pays for damages caused to your car, even if you were the one who caused the accident. Collision coverage may include windshields, but that is only because windshields are often shattered or severely damaged during an accident.

It is important that you talk to your agent about windshield coverage if you want to be covered for instances other than collision. Independent agencies like Hanneken Insurance can give you quotes from multiple major insurance providers at once. Use our live comparison quote tool or call us today to make sure you have the coverage you need!

Find Affordable Automobile Insurance in Brainerd, Minnesota

One of the main attractions of Brainerd, Minnesota is the Brainerd International Raceway. Sadly, it seems as if some local visitors pull out of a parking lot space as if they took driving lessons at the raceway. If your car just took a hit because another driver didn’t look in his rear view mirror before backing up or sped right past a stop sign, you may be concerned about how that incident will impact your own automobile insurance rates. This could especially be true if the other driver lacked proper insurance, so your own policy had to cover you.

Why Wait to Get Better Rates?

You don’t need to wait for your current insurer to send you a rate increase. In fact, we suggest comparing Minnesota automobile insurance rates at least once a year. This is because things change in the overall insurance market and your own family that might help you enjoy quality coverage and generous discounts.

Until you let us help you shop around, it is impossible to be sure which company will offer you the best deal. While taking a hit in a parking lot could result in a rate increase, another local insurer may be willing to offer you a break that will reduce your rates even more.

As independent agents here in Brainerd, we have the ability to shop the market to find you a company with the best deal for you. You are free to get quick car insurance quotes online by using our free system from the comfort of your own home or office. If you would rather speak with experienced agents, contact us at your earliest convenience. Our goal is to help our fellow community residents secure peace of mind and affordable insurance rates.