Auto Insurance

You’ve got to have it—now what?

You’re required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us.

If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right?

There is a Difference

We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you think you’re bargaining for.

While most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.

This means you should try to think of your auto insurance as a shield.

Then imagine someone else driving their car right into that shield.

Will it hold?

Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.

We’ll show you protection options and make sure you receive the discounts you’re entitled to.

What auto insurance covers—and what’s optional...

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:

  • Liability - in case you are found at fault
  • Personal Injury Protection (MN No Fault Insurance) -  this is coverage provided for injury for yourself or a passenger
  • Uninsured/Underinsured Motorist Protection – this is coverage provided for you if the other driver is uninsured or doesn’t have adequate insurance to cover damages you’ve sustained.  It’s important, don’t skimp on it!
  • Comprehensive - if your car is damaged by anything other than collision
  • Collision - in the event of your car is damaged by a collision
  • Emergency Towing and Roadside coverage - if you are ever stranded in your vehicle
  • Rental Car Coverage -  transportation provided for you while your car is being repaired due to a covered claim

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

There’s no such thing as a one-size-fits-all insurance policy.  While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

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