Auto Insurance
Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Auto Insurance in Elk River and Maple Grove, MN
Good Drivers are Responsible Drivers.
Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car.
What is auto insurance?
Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.
What do auto policies cover?
Minnesota requires the following minimum coverages on your car insurance:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000
Personal injury protection (PIP): $40,000
Uninsured motorist coverage (bodily injury): $25,000 per person and $50,000 per accident
Underinsured motorist coverage (bodily injury): $25,000 per person and $50,000 per accident
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
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Collision Insurance: Covers damage to your own vehicle after a wreck.
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Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
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Medical Coverage: Pays for your medical bills and those of your passengers.
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Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage.
Contact your agent about including these protections in your coverage.
Why do you need car insurance?
In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.
Questions to ask your agent
We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.
Here are some things to consider as you select your coverage:
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How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
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What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
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What discounts are available? (Ask about good driver, multiple policy and student discounts.)
Contact us today
Don’t sell yourself short. Contact us at 612-226-0437 or request an online quote to figure out the best auto insurance policy for yourself.
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