Comprehensive auto insurance extends beyond liability insurance, offering protection for various non-collision-related incidents. At Hanneken Insurance Agency Inc., serving the greater Little Falls, MN area, we want to help you understand comprehensive auto insurance.

What Does Auto Insurance Cover?

Comprehensive insurance covers damages resulting from:

1. Theft: If your vehicle is stolen, this coverage helps replace it or covers repairs if it’s recovered with damage.

2. Vandalism: It provides protection against acts of vandalism, such as smashed windows or spray-painted graffiti.

3. Natural Disasters: Damages caused by events like hailstorms, floods, hurricanes, and wildfires are included.

4. Falling Objects: Coverage extends to damage from falling tree branches, debris, or other objects.

5. Animal Collisions: Comprehensive insurance can cover repair costs if you collide with an animal, such as a deer.

Why Consider Comprehensive Coverage?

While it’s optional, comprehensive insurance offers several benefits:

1. Protection Against Unpredictable Events: It safeguards your vehicle from unforeseen incidents beyond your control.

2. Financial Security: You won’t be burdened with substantial repair or replacement costs.

3. Peace of Mind: Knowing you’re covered for various non-collision events provides confidence on the road.

4. Lender or Lease Requirements: Comprehensive coverage may be mandatory if you’re financing or leasing your vehicle.

Cost Considerations:

The cost of comprehensive coverage depends on factors like your deductible, vehicle value, and location. While it adds to your premium, the peace of mind and protection it offers can justify the expense.

Comprehensive auto insurance provides more protection than liability coverage, guarding your vehicle against non-collision incidents. It’s a valuable addition to your policy, offering financial security and peace of mind as you navigate the uncertainties of the road. If you’re ready to purchase a comprehensive auto insurance policy in the greater Little Falls, MN area, contact Hanneken Insurance Agency Inc. today. 

As a pet owner, it’s always a worrying thought when it comes to your pet’s safety while you’re driving. Most pet owners in Little Falls, MN, rely on their auto insurance to cover the damage in case of an accident. But what if your pet gets injured in an accident while on a trip with you – will your auto insurance cover the vet bills, or is your pet on its own? Hanneken Insurance Agency Inc. explains whether your auto insurance covers pet injuries and what options you have for protecting your furry friend.

Auto insurance typically doesn’t cover vet bills for injuries to your pet if they were in the car with you when an accident occurred. Pets are considered personal property, just like any other item in your car, and most auto insurance policies only cover damage to other people’s property, not your own.

Another option is adding optional pet injury coverage to your auto insurance policy. Pet injury coverage is an add-on option to your auto insurance policy that reimburses you for reasonable and necessary medical expenses caused by accidental injury or death to a pet while in the vehicle during an accident.

If you’re considering pet injury coverage, remember that not all insurance providers offer it, and it may only be available in certain states.

In conclusion, it’s unlikely that your auto insurance policy will cover your pet’s medical expenses if they’re injured during a car accident. As a pet owner in Little Falls, MN, you want to know your options and take the necessary measures to protect your pets in case of an accident. Contact Hanneken Insurance Agency Inc. to discuss other options, including pet insurance.

If you are in the Little Falls, MN area, you will want to know that you are always adequately covered by insurance. One necessary type of insurance you need is an auto policy, which will provide you with coverage for your vehicle and driving risks. You need to have an auto plan for multiple reasons. 

Be in Compliance

You will want to have an auto insurance policy for your car in this state so you can remain in compliance with your obligations. All drivers in this state will be required to carry liability insurance, which can result in penalization. Further, if you have a loan outstanding, you must carry a fully comprehensive plan until it has been paid off in full. 

Financial Protection

Getting an auto insurance policy is also essential to ensure you receive financial protection. People who purchase a car will make a significant investment, and the best way to protect it is with a full auto insurance policy. Further, having an auto insurance policy will provide you with liability protection that will ensure you have financial support if you are required to pay damages you may have caused in an accident.

Those who will buy a car in the Little Falls, MN area clearly need to have an auto insurance policy at all times. When looking for insurance here, it would be wise to call our team with Hanneken Insurance Agency Inc. There are a lot of choices you need to make when looking for coverage, and our professionals at Hanneken Insurance Agency Inc. can ensure you remain appropriately supported at all times. 

Owning a car is an investment that requires care and attention. Regular maintenance can help keep your vehicle operating smoothly and avoid costly repairs later. In this post, we’ll share some tips for keeping your car in good shape, including:

Choosing the right oil and filter

Choosing the right oil and filter is essential for keeping your car running smoothly. Not all oils are created equal, so it’s necessary to choose one designed for your vehicle’s make and model. Likewise, not all filters are created equal either – you want to choose one specific to your car’s engine.

Scheduling regular tune-ups and fluid changes

Scheduling regular tune-ups and fluid changes is one of the best ways to keep your car running smoothly. Tune-ups help ensure that your car’s engine runs efficiently, while fluid changes help keep your car’s brakes and other systems in good working order. You can help prevent expensive repairs down the road by routinely scheduling these services.

Inspecting brakes regularly to ensure they are functioning properly

Inspecting your car’s brakes periodically is one of the most important things you can do to keep it running smoothly. Brakes that aren’t functioning properly can lead to dangerous accidents, so it’s important to inspect them regularly and make any necessary repairs.

These simple steps will help you take care of your car so it can continue serving as your reliable transportation! If you have any questions about keeping your car safe, give Hanneken Insurance Agency Inc. a call today. We are proud to serve the Little Falls, MN area. 

At Hanneken Insurance Agency Inc., serving the greater Little Falls, MN area, we are often asked many questions about auto insurance. This includes questions about getting the best auto insurance rates, keeping teenage driver’s insurance rates low, and keeping drivers as safe as possible on the roadways. Defensive driving courses are one of the answers we often give to these questions. Read on to learn more about defensive driving courses and the benefits of these courses. 

What is a Defensive Driving Course? 

A defensive driving course is a class that helps teach defensive driving techniques. Most of these classes have two parts; a classroom instructional part and a behind-the-wheel part. Each part is designed to help teach you what to do if your car is sliding on ice, if you are dealing with an aggressive driver, or if you are facing other road hazards. This helps prepare you in case one of these events happens while driving. 

What Are the Benefits of Defensive Driving Courses? 

The most significant benefit to a defensive driving course is that you learn how to drive defensively. Many studies have shown this reduces your chances of being involved in an accident. Defensive driving can reduce your accident risk so much that many insurance companies will offer a discount to drivers who participate in these courses. 

Taking a defensive driving course may help you to get lower auto insurance rates while also helping you to be a better and safer driver. If you are in the market for a new auto insurance policy, Hanneken Insurance Agency Inc., serving the greater Little Falls, MN region, would love to help you. Call or email us today to schedule an appointment to discuss your auto insurance needs. 

If you plan to get auto insurance in Little Falls, MN, you should know that you might be eligible for discounts on your premiums. These discounts will make your premiums more affordable. Here are some common discounts that we at Hanneken Insurance Agency Inc. believe every auto insurance policyholder should request. 

1. Multi-policy Discounts

You are eligible to receive this discount if you purchase your auto insurance policy and other policies like homeowners insurance and medical insurance from the same insurance provider. The discount can be 5% to 25% if you get your car and home insurance from the same insurer. 

2. Multi-Car Discounts

You can access this discount if you have insured more than one vehicle with the same insurer. The discount can be between 8% and 25%, depending on the number of cars you have insured with the insurance company. 

3. Vehicle Safety Discounts

Insurers offer vehicle safety discounts to car owners with extra safety equipment like airbags, daytime running lights, and anti-lock brakes. While daytime running lights have a small discount, if you have full front-seat airbags, you can get up to 40% discounts applied to your personal injury protection coverage. 

4. Anti-Theft Device Discounts

You are eligible for this auto insurance discount if your vehicle has anti-theft features like stolen vehicle recovery systems, VIN etching, and GPS-based systems. This discount will be around 5% to 25% and will be applied to your comprehensive coverage. 

5. Good Driver Discounts

Car insurance providers offer discounts to good drivers with an incident-free driving history. Your clean driving history can give you a 10% to 40% discount. 

Do You Require Auto Insurance in Little Falls, MN? 

At Hanneken Insurance Agency Inc., we are a top-notch auto insurance provider serving the Little Falls community. Call us today.

If you are living in the wider Little Falls, MN area, it’s time to get to know the Hanneken Insurance Agency Inc. We are here to help our friends and neighbors with all of their insurance needs. We want you to have the protection you need!

Protecting your vehicle on and off the road

Collision insurance is very important, as is liability protection. But does your current auto policy also provide the protection you need when your car is off the road? Protection from theft and vandalism or other damage that can occur while your car is parked is also important. 

For example, if your car is parked under a tree and is damaged by a falling branch, will your auto policy provide coverage for the incident? There are innumerable types of situations where your car can be damaged when you aren’t even driving it. Unfortunately, not all auto policies provide coverage for all types of damage.

In order to have the protection you need, on and off the road, you may want to opt for a more comprehensive policy. While a basic policy can give you a small layer of protection, it may have you paying out of pocket more often than you would like. This makes it a perfect time to take the opportunity to review your current policy and the benefits it provides. 

It may be time to upgrade your auto policy!

Give us a call today!

Little Falls, MN area residents can rely on Hanneken Insurance Agency Inc. for all of their insurance needs. If you would like to learn more about the many features and benefits that today’s auto insurance policies provide, give us a call or stop by our office today!

When you drive in Minnesota, there are many different types of coverage that you have to have in one auto insurance policy. All of these coverage types are required. If even one is missing, the state will consider you uninsured, and you can be subject to fines and fees. If you need auto insurance for your Minnesota vehicle, give us a call at Hanneken Insurance Agency Inc. in Little Falls, MN.

Liability Auto Coverage 

In Minnesota, there are a few amounts of coverage that are required for liability coverage. There is one amount required for one person who becomes injured in an accident caused by your vehicle. There is another, higher amount required for all of the people who are injured in such an accident. Then, there is an amount required for any property damage done to someone else’s property in an accident like this. All of these coverage types pay for the damages to others but not to those in your vehicle. 

Other Required Coverages

To pay for the injuries to your driver and/or the passengers, personal injury protection is required. This pays for those injuries as well as a host of other expenses, including lost wages and disability payments as well as a death benefit and survivors’ benefits. The policy is also required to have coverage for both uninsured motorists and underinsured motorists. This can pay for the injuries to those in your vehicle if the motorist who causes the accident either doesn’t have insurance or doesn’t have enough to pay for all of your injuries. This requires one amount for one person who is injured and a larger amount available for all of those who are injured.

Get Auto Insurance in Minnesota

If you need auto insurance, contact us at Hanneken Insurance Agency Inc. in Little Falls, MN.

Hanneken Insurance Agency Inc. is an independent insurance agency. We proudly serve the Little Falls, MN community. We have relationships with various carriers throughout the Midwest region. We are committed to helping our clients find the policies they need to protect their assets.

Modified Auto Insurance Overview

Operating a vehicle can be dangerous depending on the road conditions and other drivers. Auto insurance can help protect you as you travel around Little Falls, MN and beyond. You are covered if your vehicle is damaged in an accident. You are also covered if you are held responsible for injuring someone or causing property damage. Comprehensive coverage protects you if your vehicle is stolen or damaged due to a natural disaster. You are also covered if your vehicle hits an object or an animal.

Many people enjoy customizing their vehicles. If you have made any specifications to your vehicle, consider adding modified auto insurance. Modified vehicles often need unique parts if they are damaged. A traditional auto insurance policy isn’t enough to cover the replacement parts. Common examples of modifications to a vehicle include rims, a bumper, custom paint, and suspension changes. Consider having your modified vehicle appraised because the value of the vehicle has likely changed. Modified auto insurance covers your vehicle if you are having engine trouble, and you need urgent towing service. You can add uninsured motorist coverage to your policy, which covers you if you are involved in an accident with someone who does not have insurance.  Having a modified auto policy can give you peace of mind if something goes wrong with your custom vehicle. 

Hanneken Insurance Agency Inc. Will Help You Protect Your Investments

Visit our website to learn more information about auto insurance.