The Little Falls, MN area is a great place for someone to work and live. While there are a lot of advantages that come with living in this area, the location and layout of the city make it a place where owning a car is a practical necessity. If you are going to purchase your next vehicle here, you also need to get proper insurance for it. You should get this coverage and keep it in place when you have a car.
Insurance Will be Required
An important reason to get auto insurance when you are in this area of Minnesota is that it will be a requirement for you. Any driver in the state needs to carry auto liability insurance at all times. People that do drive a car without this insurance are often caught and penalized, which could include losing a license or other privilege. Additionally, anyone that has an auto loan will have to maintain a full policy until the loan is repaid.
Insurance Protects Car Owner
Even if you did not have requirements for insurance, you should still get it. With an appropriate insurance policy, you are going to receive coverage for liability and your asset. This can help to ensure you are covered and protected in several different challenging situations.
Those that are going to move to the Little Falls, MN area and are in need of auto insurance should call the team at Hanneken Insurance Agency Inc. When you do call Hanneken Insurance Agency Inc. you can get a lot of guidance and support that will be necessary to ensure you pick the right insurance policy. There are many options available to you and the team here will help you build a policy that properly addresses your needs.
As a driver in Minnesota, you need to meet insurance requirements to drive legally. At Hanneken Insurance Agency Inc. we offer auto insurance policies that will allow you to meet state-mandated minimum coverage requirements.
The following are four auto insurance requirements you’ll need to meet as a Minnesota motorist.
You need to have $60,000 in bodily injury coverage.
It is required that Minnesota drivers carry at least $60,000 in total bodily injury coverage per accident. In addition, you need to carry $30,000 in bodily injury coverage per person per accident.
You need to have $10,000 in property damage liability coverage.
Minnesota auto insurance policies are required to meet property damage liability requirements. You need to have a policy that offers at least $10,000 in property damage liability coverage.
You need to have $40,000 in personal injury protection.
Another requirement in Minnesota is that motorists carry personal injury protection coverage. You need to have auto insurance policies that include at least $40,000 in personal injury protection.
Personal injury protection will pay for medical expenses for both you and your passengers in the event of an accident. This will cover medical expenses before your own health insurance coverage comes into play.
You need to carry uninsured motorist coverage.
Minnesota is a state that requires uninsured motorist coverage. You are required to carry at least $25,000 in uninsured motorist coverage as a Minnesota driver. This will cover you if you are involved in an accident with a motorist who does not carry adequate insurance and is at fault in an accident in which you are involved.
Are you looking for auto insurance coverage in Little Falls, MN? Let us help you find coverage at Hanneken Insurance Agency Inc. Get in touch with us with your questions and inquiries regarding auto insurance options in Minnesota.
You can, legally speaking, buy auto insurance while your license is suspended in Little Falls, MN.
But there are a whole lot of reasons why you shouldn’t bother.
- While your license is suspended, you’re not allowed to drive in the first place. If you plan on driving without a suspended license and you wind up in an accident, your insurance may help you to cover the damages, but it might not keep you out of jail. If your license is suspended, don’t drive, and don’t plan on driving, until you’re legally allowed to again.
- Your insurance company may be willing to sell you insurance while your license is suspended, but if they know that your license is suspended, there’s a good chance they’ll deny you. They may choose to cancel your policy or not to renew it if you are already insured.
- If you managed to get insured by lying to your insurance company, don’t expect them to honor any insurance claims you make afterward.
Having a suspended license doesn’t mean you can’t still shop around for auto insurance, but there’s simply not much good that can come of actually buying a policy while you’re not allowed to drive.
Suppose that a car belongs to you, but a family member with a valid license will be driving it. Well, the car-owner and primary driver listed on an insurance policy do not have to be the same person, and your insurer may be willing to work with you here. But you have to be upfront with them about the precise nature of the arrangement, or risk having your claims denied.
If you’re shopping around for insurance in Little Falls, MN, get in touch with Hanneken Insurance Agency Inc., and let’s see what we can do for you. You can call us or you can visit the Hanneken Insurance Agency Inc. and we’ll compare quotes to get you the coverage you need.
Drivers in Little Falls, MN must abide by the mandated rules for auto insurance in the state of Minnesota. They require that you carry liability insurance, personal injury coverage, and uninsured /underinsured driver insurance. The liability requirements are bodily injury of $30,000 per person and a total of $60,000 per accident with an additional $10,000 in property damage. Personal injury of $40,000 and $25,000 per person and $50,000 per accident for uninsured/underinsured coverage. Comprehensive and collision coverage is not mandated by law. At Hanneken Insurance Agency Inc. we know the auto insurance requirements but we also know about what you may actually need to have.
If you have an auto loan, you will need to carry comprehensive and collision insurance, it is required by lenders. If you don’t have a car loan than you don’t have to carry comprehensive and collision insurance but just because it is not required it doesn’t mean that it isn’t a good idea to opt to carry it anyway.
Collision insurance protects your car in the event that you are the party at fault in an auto accident. Auto repairs are expensive and most people count on their vehicle for transportation to get to work, to get to the grocery store, and for everyday running around. If you can afford to repair your vehicle or if you have an older vehicle with very little cash value then you may not need to carry collision coverage but for most people, it is a good idea.
Comprehensive insurance covers not collision damage to your vehicle and also theft. The same criteria hold true, if you could pay to repair or replace your vehicle or if it isn’t worth replacing then you don’t need this coverage.
The experienced team at At Hanneken Insurance Agency Inc. in Little Falls, MN understands auto insurance and is here to help guide you in choosing the correct coverage for your particle situation. Give our office a call for a no-obligation quote.
Those that live and work in the Little Falls, MN area likely will need to have a car to get around town. Since having a car is a necessity and a big responsibility, you need to make sure that you have proper insurance in place. There are several reasons why you need to have auto insurance when you are in the state of Minnesota.
Provides Liability Protection
One reason why you need to have auto insurance when you are driving in this area is that it will provide you with liability protection. Drivers that are behind the wheel are constantly taking on the risk that they could cause an accident when driving. If you do cause an accident, it will be up to you to pay restitution for damages that are caused. Liability insurance will give you this protection to ensure you can pay for damages. It is so important that the state also requires that all drivers carry it.
Protects Your Car
An auto insurance policy will also help by protecting your vehicle. When you are driving your car regularly, the last thing that you will want is to experience a loss due to vehicle damage or theft that you cannot pay for. Fortunately, a full collision and comprehensive policy will ensure you are covered for any situation that causes a loss.
Owning a car in the Little Falls, MN area is almost always a necessity. Due to this, having auto insurance is a necessity as well. Anyone that is searching for auto insurance in this area should call Hanneken Insurance Agency Inc. when they are looking for a new policy. Hanneken Insurance Agency Inc. will work hard to understand your situation to make sure you get into a great policy based on your situation and needs.
Owning and driving a car on a daily basis is a necessity for a lot of people in the Little Falls, MN area. Since your car is such an important asset, you should also make sure that you have it properly covered by insurance. Overall, there are a variety of benefits that will come when you have an auto insurance policy on your car.
Ensure Your Car is Protected
One reason why you will need to have auto insurance in Minnesota is that it will make sure that your car is protected. While you can be a safe and diligent driver, situations that could cause a loss do occur from time to time. If you have a full auto insurance policy, you will receive coverage for situations including theft, vandalism, and auto accident damage.
Additionally, people in Minnesota will need to have auto insurance to make sure that they are in legal compliance. When you drive in this state, you are going to need to have liability insurance to drive legally. When you have a full auto insurance policy, you will be in compliance with the law and will have the protection that you need in the event you get into an accident.
There are clearly many reasons why you should make sure that you have good auto insurance in place when you live in the Little Falls, MN area. Since having auto insurance is so important, you should speak with the team at Hanneken Insurance Agency Inc. to discuss your auto insurance needs. When you speak with the professionals at Hanneken Insurance Agency Inc. you will learn a lot more about the auto insurance options that you have available. This will ensure that you get into the right policy that gives you the best coverage possible.
Most people in the Little Falls, MN area are very aware that they need to have auto insurance in place at all times. However, the process of researching and picking a policy can be a complicated process. There are several things that you need to know about auto insurance to ensure you get into a great policy.
Coverage that is Required
When you are shopping for auto insurance, the first thing that you need to understand is what type of coverage is required for your situation. All drivers in Minnesota will need to have liability insurance at all times. While it may not be required by law, many drivers will also need to have collision and comprehensive insurance if they have a loan out against their car. It is important that you know what your personal requirements are.
You should also fully understand your policy and responsibilities when you are shopping for insurance. This can include understanding how your deductible will work. The deductible is the amount of money that you will have to pay out of pocket before you can file a claim. Knowing this information will come in handy if you are ever in an accident.
It is very important that you choose the right auto insurance policy for your Little Falls, MN car. When you are trying to find the right policy for your current or next car, the best place to turn to is the Hanneken Insurance Agency Inc. When you contact the team at Hanneken Insurance Agency Inc. you will receive the expert advice that you need to get into the best auto insurance policy possible for your situation. This will ensure that you are covered with the right amount and from a good provider.
Life happens, and when it does your car insurance rates could go up as a result. There are things you can do to make them go down as well. The Hanneken Insurance Agency Inc. of Little Falls, MN can help you sort out your rates, and help you find ways to make your cost lower.
Insurance companies often check your driving record when it is time to renew. If there are speeding tickets or other moving violations, your rates could go up. More serious matters like a DWI will certainly make your rates increase. Minor incidents will go away eventually, but repeated offenses, like repeated speeding tickets, will only make matter worse. Other criminal activity, non-driving related, could also increase your rates.
If you are at fault in an automobile accident, that could also make your rates go up. Filing any kind of claim can increase your rates. Also buying a more expensive car, or a more high-performance car could also make your rates go up. As people get older their rates may go up. If your credit score declines, or if you move, are also factors.
On the other side, a good driving record can help keep your rates down. If you have teenagers, their rates may go down if they complete a safe driving course. Adding safety features to your car also helps and choosing a car that is not a sports or luxury vehicle will also help. Generally avoiding things that make your rates go up is the best strategy for keeping rates as low as possible.
Call or visit the Hanneken Insurance Agency Inc. today in Little Falls, MN to get the best insurance rates on your car. We are here to answer your questions and help you get the best policy for your situation.
Many people in Little Falls, MN, and surrounding areas approach auto insurance by considering the minimum required amounts of coverage. At Hanneken Insurance Agency Inc. we want you to know why you should consider the opposite approach. Minimums get you on the road, but having more insurance is far more beneficial.
The Problem with Too Little Insurance
As a no-fault insurance state, Minnesota requires all drivers to carry PIP car insurance. Unfortunately, a single accident can cause damages far beyond the minimum coverage amounts.
If there’s an accident, you can make a claim against your PIP coverage. If that’s not enough to cover all proven damages, you can then press a claim against the other driver’s insurance. Here is where things can go wrong. A single car accident can lead to expenses that skyrocket far beyond what you and the other driver’s insurance coverage can deal with.
The Problem with Too Much Insurance
The danger of too much is insurance comes with costs. True, your policy can probably cover literally any eventuality, but you’re likely overpaying for it. You can increase your liability coverage, add on additional packages of all types, and increase their coverage limits as well.
You probably don’t need extreme amounts of coverage. In addition, having that much coverage can make you a target for people who want to try to sue you for as much money as possible.
The Reason You Need the Right Amount of Insurance
You need to find a balance that fits your budget and your needs. No two people have the same insurance needs. Your coverage options will depend on your lifestyle, vehicle, risks, and whether you own the car or not. To figure it out:
- Start with the minimums
- Underinsured / Uninsured motorist
- Collision / Comprehensive
Look at umbrella options and other insurance policies that you can benefit from. Generally, you should consider having as much auto insurance coverage in Little Falls, MN as you can comfortably afford. At Hanneken Insurance Agency Inc. we can help you find the right amount of insurance for your needs.
There are many different factors that can affect your car insurance rates. Here at Hanneken Insurance Agency Inc. serving Little Falls, MN. we are often asked if the value of your car will affect your rates. Here is what you need to know about this topic.
Does the Value of Your Car Affect Car Insurance Rates?
Many people are worried that if they buy an expensive car, their car insurance rate will increase. They worry about how the value of their car will affect the rate, if at all. The value of your car can affect your car insurance rates. However, the value of your car is not the only factor that affects your rates. Two people with the same driving record, and with two different cars with the same value may still have two very different car insurance rates.
What Other Factors Affect Car Insurance Rates?
Aside from your driving record and the value of your car, there are a few other factors that can affect the price you are quoted for car insurance rates. One such factor is the theft rate for the type of vehicle you have. Another factor is how much repairs are, on average, for the make and model of car you have if it is involved in an accident. The number of miles you drive and the address where the vehicle is housed can also affect how much your auto insurance rates are.
The value of your car can affect your auto insurance rates, but many other factors can as well. If you are in the market for a new auto insurance rate, Hanneken Insurance Agency Inc. serving the greater Little Falls, MN. area can help. Contact us today to inquire about a quote and to learn what factors can affect your car insurance rates.