Auto Insurance

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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Shop and compare quotes online right now for FREE using our Online Quote Tool!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Vehicle Coverages

A common phrase used in the insurance industry is ‘Full Coverage’ – but what is considered ‘Full Coverage’? Here are the four (4) coverages that help protect your vehicle:

Collision Coverage
Collision coverage helps pay for damage to your vehicle in the event of a collision regardless if it is with another vehicle or a stationary object. For instance, backing into a wall and damaging your rear bumper or accidentally rear-ending another vehicle. With Collision coverage, the physical damage your vehicle sustains is still covered even if you’re at-fault. Insurance will cover the physical damage to your vehicle minus your deductible. Choose higher deductibles to save money on your auto insurance.

Other-Than-Collision Coverage (Comprehensive)
Collision coverage doesn’t cover damage due to the “unexpected” but other-than-collision coverage, also known as comprehensive coverage, does. This can pay for non-collision damage to your vehicle from natural disasters, animal hits, vandalism and theft (minus your deductible). A good example is parking your vehicle under a tree during a snowstorm and because of the heavy snow a tree branch falls and damages your hood. Comprehensive coverage can also include Full Glass Coverage at your request. That’s NO money out of your pocket to replace your damaged windshield due to a covered claim.

Rental Car Reimbursement Coverage 
Add Rental Car Reimbursement Coverage to your auto insurance policy to cover the cost of a rental car while your vehicle is being repaired due to a covered claim. Insurance carriers typically require that you carry Collision and Comprehensive coverage to elect Rental Car Reimbursement coverage. Contact us to learn more!

Roadside Assistance Coverage
If you get this cover it can compensate for the cost of towing and labor costs associated with getting your car running in the event it breaks down on the road. If your car battery dies while you are on the road, the coverage can take care of the expense for getting your car jumpstarted. Ask any of our agent reps to know more about this.

Liability Coverages

In Minnesota, a vehicle driven on the road is required by law to carry the state minimum auto liability insurance. Auto liability insurance is made of these three (3) coverages:

Bodily Injury Liability Coverage
Bodily Injury Liability is protection against personal financial loss and can assist in paying the legal expenses in the scenario that you are the cause of an auto collision that results to injury with another person.

Property Damage Liability Coverage
Property Damage Liability can compensate for the damage done by your vehicle to other people’s property.  For instance, your auto veers off the road and damages the porch of your neighbor. You will find that your Property Damage Liability coverage can help compensate for the repair or replacement of such property. The same goes if your property or vehicle are damaged by another driver; their Property Damage Liability insurance would help cover the cost of repair or replacement. If your vehicle is damaged by an uninsured driver there would be NO coverage unless you elected Collision coverage on your own policy.

Uninsured-Underinsured Motorist Bodily Injury Coverage
Your auto insurance policy covers your injuries as well. Uninsured and Underinsured Bodily Injury can help cover the expenses for you and your passengers in the event you are hit by a driver that is uninsured or underinsured – meaning the other driver doesn’t carry enough Bodily Injury Liability coverage to cover your injuries. As mentioned before, Minnesota is a NO-FAULT State and if you’re involved in an accident your PIP Coverage kicks in to help cover your injuries before any other insurance coverage(s). Contact us today to discuss your auto insurance to ensure you and your family are covered correctly. Carrying high enough liability limits on your own auto insurance policy could help avoid involving your own health insurance for coverage all together!

Insurance Services

Not all insurance companies are a one size fits all. Many individuals seek specific services that some insurance companies simply cannot offer. However, at Insurance Group of Minnesota LLC our insurance companies offer a variety of additional insurance services so that we can find the right company with the right coverage for you. Here are a few additional services we can offer: