Shopping for auto insurance coverage in Wayzata may seem frustrating, but it doesn’t have to be. All it takes is knowing exactly what to look for when it comes to finding a solid insurance policy for your cars.

Below are some of the most important features that any auto insurance policy you purchase should have:

• Personal Injury Protection (PIP) – This coverage takes care of your medical, hospital and funeral expenses. Minnesota requires all licensed drivers to carry at least $40,000 of PIP coverage per person.
• Bodily Injury Liability – This coverage pays for other people’s injuries or deaths, plus it covers legal fees if the other party decides to sue for further damages. Minnesota requires drivers to carry at least $30,000 of coverage for one person and $60,000 for two or more people.
• Property Damage Liability – This covers physical damage done to the other person’s vehicle and damage to other property. Once more, the state mandates that drivers must carry at least $10,000 of property damage liability coverage.
• Uninsured and Underinsured Coverage – This covers damages caused by motorists without insurance as well as those with paltry insurance coverage. The state requires at least $25,000 of underinsured coverage and $25,000 of uninsured coverage.
• Collision Coverage – With this coverage, your insurance company will cover the replacement or repair of your vehicle in the event of an accident. This coverage is ideal for those who own relatively new vehicles.
• Comprehensive Coverage – Comprehensive insurance covers loss from theft, fire, flood and other non-accident events that may not be covered by your collision coverage.

You’ll also want to learn about all of the discounts that your insurance provider offers and ways you can qualify for them. Get in touch with us to speak to your independent agent about finding an insurance plan that fits your needs.

Disclaimer: The content of these blogs do not represent any type of specific coverage’s offered by the agency.

It’s not uncommon for a Wayzata household to own more than one vehicle. Whether it’s a truck for hauling furniture, junk and other loads, a minivan for driving the kids around or a sporty ride for weekend jaunts through winding roads, having a second, third or even fourth car offers its own set of benefits. The costs of insuring multiple cars, however, can be quite expensive without a decent discount or two to offset those costs.

Loyalty is one quality that the average auto insurance company wants out of its customers, for obvious reasons. As a result, many insurance companies do offer sizable discounts to policyholders who own multiple cars and have those cars listed on the same policy. Multiple car discounts are just one of the many ways that customers can save on their auto insurance premiums and it’s also a great way for companies to retain loyal customers.

Multiple car discounts can easily offer anywhere from 5 percent to 20 percent in annual savings on your premiums. Combined with other discounts, it represents a definite savings of up to hundreds of dollars per year. When you have more than one car to ensure, you’ll definitely appreciate any discount that allows you to keep more money in your pocket. The fine details of multiple car discounts tend to vary among insurers, so it pays to ask before you add additional cars to your current policy.

If you want to know more about multiple car insurance discounts in Minnesota, you’ll want to speak to one of our agents. As your independent agent, we can give you more information that can help you make smart decisions when it comes to getting the most out of your car insurance policy.

Getting the right auto insurance policy for your needs can be a challenge if you are attempting to complete the process on your own. You have to figure out what the top auto insurance companies in Minnesota are, gather quotes from each of these providers, and then compare the costs to decide what policy to purchase. Rather than going through all of this work, get in touch with us to see exactly how an independent agent can make your job of finding auto insurance easier.

One of the major benefits of an independent agent is that this agent can see all of the policies available to you through one system. This means that you don’t have to enter details about your car, address, and the policy coverage you want with each of the different carriers. Instead, you provide your information once and the independent agent can get you quotes from all of the companies that insure vehicles in Albertville, Minnesota.

You’ll also reap other benefits from working with an independent agent. You’ll be able to get specific recommendations on appropriate auto insurance coverage based on your needs. The agent will make sure you’re getting every discount you qualify for to reduce your premiums as much as possible. And of course, your independent agent can also help you renew your auto insurance policy when it’s time. You may want to change your coverage, review whether you’re still using the company with the lowest rates, or add another driver to your policy.

Don’t waste any more time trying to find auto insurance on your own. Instead, contact a local agent in Albertville, Minnesota to get help finding a car insurance policy that will meet your needs. We, at Pizano insurance can make your insurance finding path much easier, please talk to us to get on to the right path.