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Auto Insurance

Auto Insurance - Auto insurance is a contract that protects your financial security in case of an accident. In Minnesota, you're required by law to carry a minimum of 30/60/10 - which means to you the following: $30K minimum required by law for bodily injury liability maximum for one person injured in an accident. $60K minimum required by law for bodily injury liability maximum for all injuries in one accident. $10K minimum required by law for property damage liability maximum for one accident.

We suggest that you call us to discuss the best options available for you.

We are an authorized AAA Auto Insurance agent. In addition to insurance products, we are proud to offer AAA Roadside assistance memberships.

Proof of insurance is required at different times. You might be asked for your proof of insurance at any and all of the following times: Vehicle registration, At the time of an accident, Any time while driving your vehicle. It is a good idea that the owner of the car, keeps the proof of insurance in that car at all times, no matter who's driving.

Call (763) 746-3680 To learn what options are best for you!

 

The Insurance Basics

What is no-fault?

Some states have "no-fault" laws, which means your auto insurance must pay for medical bills and lost wages resulting from injuries suffered in an auto accident. Your own insurance company pays these bills regardless of who caused the accident. This coverage is called Personal Injury Protection or PIP.

Minnesota is a No-Fault state, and also requires uninsured motorist coverage in case you have an accident with an uninsured driver or driver with less than satisfactory coverage for an accident . Did you move recently from a state that didnt require PIP or No-Fault Insurance?

You may be surprised to find auto insurance rates in Minnesota are going to be a lot more expensive than the state you moved from. Someone moving to Minnesota from Florida or California may have paid less where they used to live for very obvious reasons. Wintertime in Minnesota can be severe and guarantees several months of freezing weather.

Poor winter driving conditions attribute to the majority of all traffic accidents. Insurance companies in warm weather states do not incur as many losses during the winter as insurance companies in a cold weather state such as Minnesota. Excessive losses over a period of time give the insurance companies good reason to increase your insurance rate. Talk to your insurance agent if this happens, they can review your options and try to find a lower rate.

 
 
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