You may be trying to cut back on your everyday life in order to save money. It may be worth it with some things, like buying store-brand groceries instead of name-brand. However, there are times when you shouldn’t try to save money. Car insurance is one of these times.

Here are some reasons why the minimum amount of car insurance may not be enough. 

Cheap insurance doesn’t cover much. The simple truth is that the minimum amount of insurance that you need isn’t enough. You may only be required to have liability, which will cover costs for their medical bills, but that is about it. It won’t help with any vehicle repairs or even your own medical bills. 

You may have a high deductible. In order to save money, you may have to pay a higher deductible. This means that you may have to pay one or two thousand dollars (or more) before your insurance will pay a cent. It might be better to have a smaller deductible, even if you have to pay a little more each month. 

You may end up fighting with your insurance company. Insurance companies are quick to deny claims. They may fight you every step of the way. If you have cheap insurance, you may not have many grounds to fight back. 

Though you may want to save money, you really shouldn’t skimp when it comes to your car insurance. It is much better to find a better plan, even if it costs you a little more each month. If not, you could find yourself in debt with just one accident. 

In order to make sure that you get the best deal in Wayzata, MN, contact us today at Pizano Insurance. 

When your teenager starts to drive, it can be great since you don’t have to drive them everywhere any longer. However, at the same time, you are worried about their safety. Apart from ensuring they have the proper insurance, which we can help you with here at Pizano Insurance, you also want to ensure they get in the right vehicle. Here are a few tips.

Opt for Certified Pre-Owned

To go easy on your pocketbook, you should look for a Certified Pre-Owned vehicle in Wayzata MN, which is a low-mileage car that has undergone a thorough inspection. Make sure to take into consideration the size of the automobile as well. If involved in a collision, a larger, heavier vehicle will offer more protection than a smaller car. However, a teen driver may find it harder to park and drive a big, bulky SUV. A compromise may be a mid-size or compact SUV.

Do Your Homework

Each year, there is a list of the top safety vehicles from the Auto Insurance Institute for Highway Safety. This may be a list that you want to take a look at, as it will examine the safety and performance features of a variety of auto models. Some of the most common features that will improve safety include side-curtain airbags, blind-spot monitoring, and electronic stability control. Consumer Reports can also help you make an informed decision. Don’t forget to get a CarFax report.

When you’re ready to get auto insurance for your teen driver, you may have some questions. For instance, you may not be sure whether you should get your teen their own policy or add them to your own. Serving Wayzata, MN, Pizano Insurance can help answer those questions and ensure your teen is properly insured. Contact us today and we’ll help you determine the best auto insurance coverage options.

Investing in car insurance in Minnesota isn’t only compulsory but also cushions you when accidents happen. Unfortunately, many motorists renew their auto insurance without considering whether it suits their current needs. By doing so, motorists overpay their premiums or end up frustrated when they realize they won’t be covered against a risk they thought they had coverage.

So, when should you review your auto insurance? Pizano Insurance in Wayzata, MN, recommends you update your auto insurance at least every year. However, when the below situations happen, you should update your auto insurance immediately.

If you are using your vehicle for commercial purposes

Whether you are partly or wholly using your car to carry out business operations, you should change your personal auto insurance to commercial insurance as required by Minnesota law.

When you want a teenager to drive your car

If you want your teenage daughter or son to drive your vehicle, you must talk to your insurance agent as soon as possible. Teenagers are considered risky drivers, and as such, you need to inform your insurer to update your premiums.

If your details have changed

Are you changing your location? Or maybe your names have changed (perhaps after marriage)? If the answer is yes to any of the questions, then it’s time to update your auto insurance policy.

When buying a new car

Do you know that you can transfer your old insurance policy to your new car? All you need to do is to give the details of your current vehicle to the insurer.

Update your car insurance today in Wayzata, MN!

Would you like to know whether it’s time to update your auto insurance? Don’t hesitate to get in touch with Pizano Insurance. We will advise on when you should review your auto insurance. And if your current auto insurance is up for review, we will happily execute this on your behalf.

If you are in the Wayzata, MN area, you will quickly find that owning a car is a good idea. If you are a vehicle owner, you are going to consistently have a quick way to get around the community. If you do purchase a new car, you also need to pick a good insurance plan. You will need to have a quality auto insurance plan in this area for a few reasons. 

Coverage is Required

You should get this insurance to you are in compliance with various requirements. Auto coverage is a very valuable form of insurance and it is also required to drive your car in the state. To drive in Minnesota, you need to maintain liability auto insurance coverage at all times. You also need to get coverage that will help to repair or replace your vehicle if you lease the vehicle or have taken out a loan. 

Coverage Protects Your Vehicle

Another reason that you should get this insurance is so you can properly cover and protect your vehicle. The purchase of a vehicle is one of the largest you will ever make. Due to this, you will want to ensure you are protecting the asset as well as you can. A great way this can be done is by getting a full auto insurance plan that includes both collision and comprehensive coverage, which will protect against many scenarios that can result in a loss. 

In Wayzata, MN, owning a car is almost always a good idea. If you are looking to get a car in this area, you should speak with Pizano Insurance. The team with Pizano Insurance understands the value of this coverage and can help anyone choose a new plan that will help meet their needs. 

If you own a car, you probably must have heard from your insurance company or other people that you need to get the minimum liability coverage for your car. In fact, not having this coverage in Wayzata, MN can get you into serious trouble with the law. If you’re wondering why it’s so crucial for all drivers, you are in the right place. This post discusses liability; why you need it and how it can help you after an accident.

It is mandatory in most states 

Liability insurance is required by most states except New Hampshire and Virginia. Minnesota and 11 other states are among the no-fault insurance states. That means the fault is not relevant in the event of an accident. Your injuries will be covered by your insurance company regardless of whether you or the other driver was at fault. However, it’s critical to note that you can be sued or file a lawsuit against another driver depending on the nature of an accident.

The minimum is never enough

At Pizano Insurance, we recommend calculating your insurance needs as the minimum liability coverage is never enough to cover injuries and property damage. You may want to increase this coverage to a reasonable limit based on how you use the vehicle and how often you drive it. 

It helps you stay financially responsible on the roads

Most insurance companies in Wayzata MN believe that most road accidents are caused by human error. The cost of repairing a damaged vehicle and paying medical bills can take a toll on your wallet if you don’t have liability coverage. The situation is even worse if there is a lawsuit involved, as it can be costly. Liability helps ensure that all drivers are financially responsible for anything that might happen on the roads.

Don’t buy auto insurance blindly. Learn everything you need to know from the experts at Pizano Insurance. Our dedicated insurance team is always ready to help you stay comfortable on the roads. Call us today!

When you are in the Wayzata, MN area, having a consistent way to get around the community is very important. A way you can ensure that you will be able to get to and from work and complete other tasks is by owning a vehicle. Along with a car purchase decision, another important choice to make is to get a proper insurance plan. An auto insurance plan should be considered a necessity for several reasons. 

Legal Requirement

A key reason to have an auto insurance plan in this area of Minnesota is so you can stay in compliance with your legal obligations. A motorist in this state is required to carry liability insurance at all times, which ensures a driver is able to cover any damages that they could cause in an accident. If you are not covered, you could face various penalties. 

Auto Lender Requirement

You may also be required to carry this coverage if you have an auto loan outstanding. Taking out a car loan is a good idea to ensure you can purchase a vehicle that you want to drive. If you have taken out a loan, your lender will want you to maintain a full insurance plan. They may require you to provide evidence of coverage from time to time. 

Choosing an auto insurance plan in the Wayzata, MN area is always very important. If you are looking for a policy in this part of the state, it would be a good idea to call Pizano Insurance. There are a lot of choices to make when you are looking for this coverage and Pizano Insurance can make the process easier for you. They are able to help you carefully assess your needs and options to choose a plan that is right for your situation. 

Living in Wayzata, MN does not prevent you from issues regarding your car. Fortunately, Pizano Insurance has your back, as it focuses on providing all the insurance care you need. Finding the right insurance cover for your vehicle is a priority before you hit the road. Numerous issues may lead cause destruction to your car. Such include hail, and it is prudent to find out if your insurance coverage will protect your vehicle in such situations.

Basic Features of Auto Insurance

Your standard auto insurance is your caregiver whenever physical damages occur. It foots the charges incurred during repair work after hail damage. What more, it may also offer you a care replacement if the damage was extreme. However, your insurer will only go to that extent if you had purchased comprehensive insurance.

How Do I Claim Compensation?

When pursuing compensation after severe weather damages your car, the insurer will need you to pay the deductible fee if you own comprehensive insurance. The cover safeguards you from issues that other policies leave out. They include theft, vandalism, and hail. That said, you need to purchase a comprehensive insurance policy to safeguard your car from hail damages.

Most hail claims happen during spring, as the weather tends to be unfriendly. That way, it is advisable to park your car safely during such seasons. Your comprehensive insurance cover will protect you from hail destruction throughout the year, as long as your premiums are up to date. 

Understanding Hails Destruction Cover

When filing for a hail destruction claim, your insurance will request comprehensive cover. The agency proceeds to assess the level of damage before deciding the way forward. As the insurance fixes your car, you pay the deductible fee totaling the balance you have. Your agency pays you an amount equal to the value of your vehicle if it is beyond repair. That way, you can get a replacement for your damaged car.

Contact Pizano Insurance today by visiting our site, especially if you stay in Wayzata, MN, to access all insurance services.

Auto insurance is not just one type of coverage, it is several types of coverage. Some of them are mandated by the state and others by lenders. Some are additions that may be added to your policy if they can be of benefit. At Pizano Insurance in Wayzata, MN, we are an independent agency that provides our customers with the benefit of our years of experience. We offer many choices of carriers which allows us to get the best possible rates. 

Gap coverage– Gap coverage will pay the difference between the depreciated value of your vehicle and the amount you owe on your auto loan. Vehicles depreciate very quickly and if your accident or theft happens within a few months of purchase you could be way underwater. 

Roadside assistance– Many people have roadside assistance coverage through companies like AAA. These cost quite a lot more than a similar overage that may be available through your insurance carrier. It includes towing as well as other services such as tire changing and jumping your battery if your car won’t start. 

Car rental insurance– If your vehicle is damaged in an accident, you will need to have something to drive in the interim. With car rental insurance you will be able to rent a vehicle while your vehicle is in repair or until it is determined to be a complete loss. 

Full glass replacement-Glass coverage may be included with your comprehensive coverage but if it is not, it is worth having. No one wants to have to drive around with a damaged windshield or broken window. This coverage is provided without a deductible and the repair people can even come to you at home or at your job. 

If you are looking for a new carrier or a new agent in Wayzata, MN, Pizano Insurance has an exceptional team that can help you. 

As a car owner in Wayzata, MN, you’ve probably come across the term full coverage insurance. Generally, there is no auto insurance cover that covers everything. It is just a term that is used to describe a combination of coverage that protects you against the state requirements and personal insurance needs. According to Pizano Insurance, there are a few insurance requirements that are usually considered as full coverage car insurance.

Liability Insurance

Liability insurance is a third-party policy that covers all the damages and injuries caused to the other person. In this case, if you cause an accident, you’re liable for medical and repair expenses caused to the other driver. You cannot drive on most American roads without liability insurance because it is a requirement of almost every other state. 

Collision Insurance

Collision insurance is specifically meant for you. It helps in covering your car in case of an accident. This policy helps you in instances where you’re are at fault in an accident. The other party will not be required to pay for the repair expenses you’ll incur. Collision insurance also expands to other repair requirements. It may cover damages caused by objects other than vehicles on the road where you’re at fault.

Comprehensive Insurance

This is one of the most robust insurance policies out there in the country. It covers everything. In essence, comprehensive insurance can be regarded as full coverage auto insurance. Unfortunately, most auto owners do not have a comprehensive insurance policy. It is a costly cover that many people may not be able to sustain.

Can You Get Full Coverage Auto Insurance?

In Wayzata MN, Pizano Insurance can help you get an auto insurance policy that covers everything you may need. However, it will be challenging to get a cover that can address all your auto insurance requirements.

Are you looking for full coverage auto insurance in Wayzata, MN? Contact us for immediate assistance.

If you live in Wayzata, MN, you should be familiar with auto insurance requirements in the state of Minnesota. Insurance professionals, such as the ones who work with Pizano Insurance, can potentially help you if you are seeking information.

As is the case in most states, if you live or drive in Minnesota, you need to have auto insurance coverage. This is necessary if you want to register and drive a vehicle anywhere in this state. You will need to have coverage for the following: bodily injury to others, property damage liability, uninsured motorists, and underinsured motorists. There are minimum amounts of coverage that you are required to have, but the majority of people will opt for higher amounts, in order to provide themselves with all the protection they need in the event of an accident or mishap. You also need personal injury protection or PIP. The car insurance requirements in Minnesota are relatively extensive when compared to other states.

There is also an alternative for people in Minnesota who have been denied auto insurance on the open market. If this has happened within the past 60 days, they can apply for coverage via the Minnesota Automobile Insurance Plan. This is a network of insurers that is meant to be of assistance to high-risk drivers. It helps them secure coverage at price levels that have been firmly established. This can be a very useful option to people who do not have the ability to obtain car insurance another way in the state of Minnesota.

If you live in the city of Wayzata, MN and are interested in learning more about auto insurance, you should contact the professionals at Pizano Insurance. They will be able to answer questions that you may have and potentially point you in the right direction in terms of choosing an auto insurance policy for yourself.