Plymouth, MN is one of the larger cities in the state and has a growing population. It is one of the 15th largest metropolitan areas of the city, being so close to Minneapolis. There are always things to do, including visiting art galleries, the growing restaurant scene, and various community events that take place throughout the year.

Wind, snow, fog, and other weather patterns can make it difficult to stay safe on the roads of MN, which is why you want to work with our automobile insurance agents. We take the time to find you the best policy in the 55447 ZIP code and ensure that you have the coverage that’s desired.

You want to be covered in all instances, including if someone does a hit-and-run or if your car gets hit by a shopping cart in the parking lot. Don’t assume that your coverage is inclusive of it all because there are various options when it comes to buying car insurance in Plymouth.

Our automobile insurance agents in Plymouth, MN will talk to you about the liability requirements of the state as well as options, such as comprehensive and collision coverage. This will allow you to gain more peace of mind when you’re driving down the highway and parking in a local parking lot. Throughout the 55447 area and more, there are ways to reduce your premiums and we will help you to find all the discounts.

Comparing rates is critical and there could be subtle differences within the 55447 zip and others as well as how insurance companies look at a hit in a parking lot, speeding tickets, and more. We take the time to get multiple rates so you have some forms of comparison.

Contact our automobile insurance agents today for a free quote!

You already know that every driver in Buffalo, MN needs proper insurance to drive a vehicle. The question is, what do you need to do to make sure that you get the best possible coverage for your vehicle, at rates that will fit your budget?

This is not something that you want to leave to chance. Don’t settle for the first car insurance company you run across, for example, or resort to contacting a company based on a marketing campaign that may not have your best interests at heart.

You also don’t want to use a company just because a friend, family member or coworker has a policy with the firm and hasn’t had any complaints so far. You can’t expect a random approach to get you the optimal coverage at the most affordable rate.

Getting coverage for your first vehicle doesn’t need to be hassle. There is no need for you to become an instant expert on the nuances of auto insurance regulations, let alone to keep up with the different policies offered by various insurance companies. This is a job best left to certified auto insurance agents with years of experience.

For example, your independent agent will know about the various discounts that you might be eligible for, such as membership in a credit union or working in a profession that entitles you to a reduction in the cost of your policy. If you’re a student with a good grade point average or have recently graduated from college, you may be entitled to a discount as well.

Our knowledgeable and certified auto insurance agents have the experience to help you quickly sort through your options for coverage to get you the coverage that best meets your individual needs. For details or to start comparing insurance rate quotes, please feel free to contact your independent auto insurance agent today.

When you buy a new car in Saint Michael, MN, you may need to make changes to your car insurance policy. Although the coverage that you carry may be appropriate, it is important to transfer the policy to the new car so that it is properly covered.

Contact the Insurance Provider

Before you take any steps to change the insurance, contact a representative of the insurance provider and ask about your options. You may decide that transferring the policy is not appropriate because you are still driving the old car or you may need to consider a new plan if the cost of your coverage increases with the new car.

Expect some changes based on the vehicle that you have purchased and the details of the situation. Generally, you can expect the rates to change slightly.

Provide Appropriate Data

After you trade the old car in, you are no longer required to carry any coverage for the vehicle. Explain the situation to a representative of the insurance provider and then provide the updated information.

The insurance company will need the new VIN number as well as details related to the make, model and year of the car. The new policy will be applied to the vehicle when all of the data is provided. Most insurance providers will either fax a new policy or allow you to print a temporary copy of the plan until the official documents are sent in the mail.

It is not hard to transfer the auto insurance policy that you maintain to a new car, but you will need to make sure that you have all of the details and paperwork in order before making the change. To learn more about your options, contact us today.

"Will my auto insurance premiums increase if I file a claim?" This question is on the lips of nearly anyone who has recently had to file a claim. You may have even been scared to file a necessary claim because you were worried about the potential raise in your auto insurance rates. The good news: Not every claim will result in a raise in your car insurance rates. ‘

Whether or not your car insurance rates go up following a claim depends upon several different factors. Rest assured that your insurance company does not just arbitrarily raise rates, and they raise rates only when it is necessary given the situation. These are the things that might impact your insurance rate after a claim.

How Serious the Accident Was: A major accident that costs the insurance company many thousands or tens of thousands of dollars is more likely to result in a raised rate than a minor claim that involved, for example, a few hundred dollars in damage.

Your Driving History: What is your driving record like? Is this your first claim in years, or do you get into trouble with tickets and claims regularly? The fewer the claims you have and the less traffic violations you have, the less likely you are to experience a hike in rates.

Who Has Liability: Who was liable for the accident? If you have no liability in the accident, or only minor liability, it is unlikely your rates will be impacted. Conversely, if you are completely liable for a major accident it could certainly cause a change in rates.

Every policy is unique, and your insurance provider may offer special things like "accident forgiveness," so that rates are not impacted after a claim. Our agents are here to help you get a policy that will work for you, both in times of claims and in times of smooth driving. Check out our free live quote comparison tool online today!

A speeding ticket will affect auto insurance premiums in Albertville, MN, even if you have never been involved in an accident. The reason is related to the risk. If you are speeding, then you have a higher risk of getting into an accident. The impact of the ticket will last for some time, but the exact duration will vary based on the company.

Short-Term Surcharges

Some insurance providers handle a ticket by adding a surcharge to your current policy. The impact is an increased rate on your policy that will reduce after a set amount of time as long as you do not get into an accident or obtain a new ticket for speeding within the set period of time.

The short-term surcharges are usually added to your policy for one year. After that period, your rates will usually reduce.

Long-Term Changes

Even though companies may offer short-term options, some insurers will extend the period of time. Insurance providers have different methods of handling the situation based on the problems that you can expect to face.

It is not unusual for a company to charge a higher rate for coverage for three years or more due to the increased risk associated with a speeding ticket. If the company does not offer a short-term option, then you can expect to pay a slightly higher rate for a few years. Most companies will reduce your rate after three years if you have not gotten a new ticket or been in an accident.

A ticket will affect auto insurance rates by increasing the amount that you pay for your premium, but the duration of the change can vary. Call us today to speak to an agent for more details about your auto policy.

Among the questions we are asked as independent insurance agents in Albertville, MN is what policy holders should do with their auto insurance while they are out of the country for an extended period of time.

In most cases, no matter how long you plan to be out of the country, it is a good idea to retain auto insurance. Even though you will not be driving your car while you’re away, life can still happen. Imagine if your car is stolen from a parking lot or garage, a tree falls on it, or the structure in which it is parked burns to the ground. You have zero coverage on that automobile if you have canceled insurance prior to leaving.

The thing about accidents is that we never seem to believe they are going to happen to us. Maybe that is a human’s way of remaining optimistic. It is the odd circumstance though, like kids breaking into your car while you are gone, that come as the biggest surprise. And let’s face it; surprises are why insurance exists in the first place.

When you are planning to be out of the US, give us a call. We can tell you more about your options, like insurance that fully covers a car that is going to be parked for months at a time. Insurers know that some cars will simply be in a garage and have developed policies to cover anything that can happen to them under those circumstance.

It is important not to ignore the issue, believing that it is something you can deal with upon your return to the country. A lapse in insurance coverage can result in the suspension of your vehicle registration, making it that much more difficult to get back on the road.

As a single parent, it is likely that you have several concerns about your finances and managing all of the expenses. You want to ensure the safety of your family while you are on the road, but you may also struggle to pay for full coverag. Fortunately, it is possible to lower auto insurance cost with the right tools and steps.

Increase the Deductible Amount

When you want to save money on your policy, you can ask about the deductible on your plan. Some insurers may reduce your monthly payment if you increase your deductible. Depending on your insurer, the impact on your premium and the changes to your policy may vary, so you will want to ask questions and make sure that the changes are appropriate for your needs and goals.

Drive Carefully

Follow the speed limit and take a defensive driving course to learn different ways to prevent accidents. A good driving record is a key part of obtaining a low rate on your coverage.

If you take a defensive driving course, then you may also ask about discounts. Some insurance providers will offer reduced rates for the course because your risk of an accident is reduced.

Select a Safe Car

A single parent can take advantage of safety features on vehicles for several reasons. You can feel confident that your children are as safe as possible in the vehicle and you may be qualified for discounted rates if you select a car that has several safety features because the risk of severe injuries and damages is limited.

There are a variety of ways that you can lower auto insurance cost and maintain a strict budget, even if you are a single parent. The key is taking advantage of the discounts that insurance providers offer. Contact us to speak to an agent to learn more about lowering your rates.

Although a recent study found that Americans own an average of 2.28 vehicles per household, there are plenty of families throughout Wayzata, Minnesota who choose to own just one car for various reasons. Nationwide, approximately 33.8 percent of households in the U.S. own just one vehicle. Whether it’s to save money on car-related expenses or dramatically reducing their environmental footprint, many one-car families are making do with sharing a single vehicle among the entire household.

So how does car rental reimbursement come into play? If you’ve recently been in an auto accident in Wayzata and you only own one vehicle, chances are you’ll need a way to get to work and back while your vehicle is undergoing repairs or, in the case of a total loss, while your insurance provider arranges for a replacement. Car rental reimbursement coverage is an optional auto insurance benefit that can help cover the cost of a rental vehicle under the circumstances.

Car rental reimbursement coverage usually works one of two ways:

• You rent a vehicle from the rental car company of your choice and pay the upfront costs. These costs are later reimbursed after submitting receipts and a claim form to your insurance provider.
• You rent a vehicle from a rental car company approved by your insurance provider. Instead of paying upfront costs, the rental company bills your insurance provider directly.

Most forms of car rental reimbursement coverage feature a “per-day” or “per-accident” limit that varies depending on the insurance company’s own policies. Also keep in mind that this coverage does not cover car rentals that are needed while your vehicle is in the shop undergoing ordinary maintenance or repairs.

You can always turn to your Pizano Insurance for more information on rental reimbursements and other optional insurance coverage for your vehicle. As your independent agent, we can help you build the best auto insurance plan that covers all of the bases.

Allowing a friend, relative or even the babysitter to borrow your car in Albertville, Minnesota does not necessarily mean that you are taking unnecessary risks. In many cases, insurers will still cover your vehicle while a loved one or a friend is driving the car. Even though you may still be covered, certain situations may impact your auto coverage and might limit the funds that you are provided.

Lending to Individuals in the Same House

If you live with the individual who is borrowing your vehicle, then you may not be covered for the damages unless the person is mentioned under your policy. The reason is that the individual may drive the vehicle more often and has a higher risk of getting into an accident as a result.

When a loved one lives in the same house, it may be wise to put them under your current account to avoid complications if an accident occurs.

Lending to Others

Offering your car to a friend, relative or acquaintance who does not live in the same house means that you are still covered under most policies. Keep in mind that every insurer is different, so it is important to evaluate your particular policy before you allow a loved one to drive your car.

Read your policy to find out what situations may be classified as an exception to the basic rules. If there are times when you are not covered, then identify those situations to avoid problems if you must make a claim.

In most cases, you are covered if you lend your car to another individual. Contact Pizano Insurance to talk to an independent agent about your coverage options and the situations that may not be covered by a basic policy.

Court cases related to auto accidents can cause a variety of complications for drivers and the court system, which is why insurers offer limited tort and full tort coverage in Wayzata, Minnesota. By understanding the differences between the policies, it is easier to determine the best option for your goals and needs.

Full Tort

A full tort policy means that you have the right to sue a negligent driver when he or she crashes into your vehicle. Regardless of the coverage that you select, the driver of another vehicle who crashes into your car and causes injuries is responsible for your medical bills and the repairs to your vehicle.

In the case of major injuries, you may decide that you want to sue the driver for your pain and suffering rather than just the medical bills. If you have a full tort insurance policy, then you have the right to sue in this situation.

Limited Tort

A limited tort policy means that you are not allowed to sue for pain and suffering in an auto accident. Your coverage allows you to submit your medical bills and the cost of your repairs to the other driver’s insurance company for compensation.

The insurer will usually pay the full amount of your bills up to a certain amount, which will vary based on the other driver’s liability plan. When you opt for a limited tort policy, you cannot sue for your pain and suffering, regardless of the extent of your injuries.

Limited and full tort auto policies are not the same. If you opt for a limited tort plan, then you are giving up the right to take the other driver to court for additional compensation after an accident. Contact Pizano Insurance to talk to an independent agent for more details.