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Car Insurance in Minnesota
Auto insurance protects you and your assets in case of loss, injury, or damage; either caused by you or by someone else. Auto insurance usually consists of the following protections:
Auto Insurance Offered
- Auto Insurance: From basic liability coverage to comprehensive and collision coverage, I can help you find the perfect policy for your needs and budget.
- High-Risk Insurance: If you have a less-than-perfect driving record or have been involved in accidents, I can still find you an affordable policy that provides the coverage you need.
- Multi-Policy Discounts: Bundle your auto insurance with other insurance policies, such as homeowners insurance in plymouth or renters insurance in plymouth, and save even more.
Coverage Types
- Liability – The legal responsibility that a driver has to pay for any damages or injuries that they cause to others while operating their vehicle.
- Collision – Coverage that pays for damages to your vehicle caused by a collision with another object, such as another car, a tree, or a guardrail.
- Comprehensive – Pays for damages to your vehicle caused by non-collision events, such as theft, vandalism, fire, falling objects, and natural disasters.
Additional Coverage Options
Additional coverage options may be available in an auto insurance policy, depending on the insurance agency. Here are some examples you may want to consider as part of your auto insurance policy.
- Rental reimbursement coverage: This coverage helps pay for the cost of a rental car while your vehicle is being repaired or replaced after a covered accident.
- Gap insurance: If your vehicle is totaled in an accident and you owe more on the car loan than the car is worth, gap insurance can help cover the difference.
- Custom parts and equipment coverage: This coverage provides extra protection for custom parts, equipment, or accessories that are not included in the original manufacturer’s specifications.
- Towing and labor coverage: This coverage helps pay for the cost of towing your vehicle and other labor expenses, such as changing a flat tire or jump-starting a dead battery.
- Sound system coverage: This coverage provides additional protection for expensive sound systems, speakers, and other audio equipment installed in your vehicle.
- Pet injury coverage: This coverage helps pay for veterinary bills if your pet is injured in a covered accident while riding in your car.
Fill out the online quote form or contact us by phone to determine which additional coverage options are available and which may be appropriate for your specific needs.
Minnesota & No-Fault State
Minnesota is a no-fault state for auto accidents, meaning drivers must carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. In the event of an accident, each driver’s insurance agency is responsible for paying their medical expenses and other costs, regardless of who was at fault for the accident. This system is intended to help streamline the claims process and reduce the need for litigation, but it can also limit the ability of accident victims to sue for damages. In Minnesota, drivers can still be held liable for property damage, serious injuries exceeding the PIP coverage limit, or cases of intentional or criminal behavior. Drivers need to understand their insurance coverage and their rights in the event of an accident in a no-fault state like Minnesota. To learn more
What’s insurance for, anyway?
Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.
Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.
Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.
Car insurance is required
In most states, you’re required by law to carry car insurance. It’s easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
There is a difference
You may think you want the cheapest auto insurance you can find, but cheap isn’t everything.
While most auto insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all auto insurance policy when it comes to your automobile.
Contact us today, and we’ll help you protect what matters most.
Fill out the contact form below or schedule a time on our calendar that works for you and discover how we can help protect the things that matter most to you.