To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the overages best suited to your needs.
Check out the MN Department of Commerce - Please call or let me know if you have any questions.
Compulsory Auto Policy Coverage
Q: When purchasing automobile insurance what should I consider?
A: There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:
A: Yes, when you loan your car to a friend or an associate, they will be covered under your automobile insurance policy.
Q: What is collision physical damage coverage?
A: Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.
Q: What is the comprehensive physical damage coverage?
A: Comprehensive provides coverage for direct physical damage losses you may incur to your car from something like a hailstorm.
Q: How can I lower my automobile insurance rates?
A: There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that you are getting the coverage you need at the best price.
Another way to lower your cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% - but you must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to, like multiple cars under the same policy, carrying a homeowners policy with the same insurance company or having good grades in school (for your teens).