Car Insurance

Why Is Car Insurance So Important?

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

The right car insurance policy will help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy will also typically provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. There are a variety of coverage types available, some which are required by law and others that are voluntary. We’ll help determine the level of coverage that is right for you. Give us a call at (651) 636-6911 or request a quote comparison to get started.

Auto Insurance Coverage

Collision – Pays for damage caused to your vehicle in an auto accident. Standard collision coverage will pay for any repairs up to the fair market value of your car and usually comes with an insurance deductible. A deductible is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive – Covers damage to your car from something other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Liability – Liability insurance is required by MN state law because it pays for injuries and damages to you cause to someone else. Bodily injury liability pays medical bills and lost wages, while property damage liability pays for damage to vehicles or other property.

Uninsured/Underinsured Motorist Liability – Covers you and your passengers in case you’re injured by a driver that has no insurance or not enough insurance.

Roadside Assistance – Pays for towing, unlocks, jump starts, and more.

Loan/Lease Payoff – Pays the difference between the actual cash value of your vehicle and what you owe on the loan or lease.

Rental Reimbursement – When your car is involved in a covered accident, it pays for a rental car while your vehicle is being repaired.

And More – There are a variety of additional coverage options that can be added to your policy, depending on your needs.

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