People that are in the Wayzata, MN area likely need to drive a car on a daily basis. If you are an owner of a car and drive it, you need to make sure that you are as responsible and safe as possible. Part of this has to include getting the right auto insurance policy in place. There are a variety of factors that need to be considered when you are looking for a new auto insurance policy.

Type of Insurance Needed

The first thing to think about is the type of auto insurance that you need. All drivers in Minnesota need to have liability insurance in order to comply with the state legal requirements. However, those that have a car that is expensive or have a loan that they need to repay, should also get collision and comprehensive insurance. This additional insurance will give you coverage for many events that could result in a loss. 

Deductible

When building an auto insurance policy, you also need to think about your deductible. This is the amount of money that needs to be spent before a claim is covered. While a higher deductible comes with a lower monthly payment, you also need to spend more money out of pocket when a claim is filed. 

Ultimately, it can be hard to choose a good auto insurance policy. If you are in the Wayzata, MN area, it never hurts to get the advice you need from someone that you can trust. A great resource for any questions that you have regarding auto insurance is Pizano Insurance. If you call Pizano Insurance, you will get the support that you need to get into a great policy. This will ensure that you and your vehicle are properly covered. 

Are you driving with an inadequate auto insurance policy? Many people in Wayzata, MN and beyond think that purchasing Minnesota’s minimum state insurance limits are enough to cover them in case of a major accident. Unfortunately, that isn’t the case in many situations. That’s why our agents at Pizano Insurance are determined to get you a policy that will keep your vehicle protected on the road. 

What’s required for auto insurance coverage? 

Being a "no-fault" state, Minnesota requires all motorists to have Personal Injury Protection (often referred to as PIP), as well as liability and uninsured motorist coverage. PIP protects you if you get into an accident, regardless of who’s at fault. In addition, Minnesota drivers must secure state minimums for liability coverage, which protects other motorists and vehicles in case of an accident. Uninsured motorist policies cover expenses after PIP policy limits have been reached on the other driver’s policy. It also covers you if you’re involved in a hit-and-run accident. 

Is this enough coverage?

The answer to this question depends on what you need in order to protect you, your passengers, and your vehicle in case of an accident. Are you prepared if your car is hit by a falling object like a tree branch? What if your windshield is damaged? What happens if your vehicle is stolen? Optional insurance plans offered by our team at Pizano Insurance can help answer these questions, and protect your vehicle from them.  We can help the residents of Wayzata, MN, and other areas find the right plan auto insurance plan. 

If you have questions on whether you have the right type of car insurance policy, our agents at Pizano Insurance can help. Get a quote on a new auto insurance plan by using our free online tool, or visit our website for more information. 

Congratulations! You just tied the knot. Newlyweds have a lot of decisions to make when they get married, such as which Wayzata, MN home to reside in, how to combine their book collections, and how to pare down two sets of kitchenware into one. Most people choose to merge their auto insurance after marriage, too.  While combining your insurance policies has some perks, like possible significant discounts and only one bill to pay, there’s a possibility some unpleasant surprises could be lurking in the details. 

Why Should We Combine Auto Insurance After Marriage? 

The simple answer is that it’s generally easier to pay just one insurer and to have one car insurance payment. If you do decide to combine auto policies, you can choose either of your current insurers or shop for a new one. If you do want to keep your policies separate, each of you should contact your insurer and notify them that you’re married, and add each other to your policies. 

Is Auto Insurance Cheaper for Married Couples? 

Because statistically, married drivers are involved in fewer collisions and file fewer claims, being married generally results in cheaper rates right off the bat. While discounts for married couples varies depending on the insurer, according to data compiled by Quadrant Information Services (QIS), the average discount a married couple enjoys is approximately 12 percent nationwide and continues as long as you stay married.  Not a bad perk for simply saying “I do.”  

Can My New Spouse Hurt My Auto Insurance Rates? 

If both you and your spouse have good credit scores and excellent driving records, you’ll both get better rates. However, if you have an excellent driving record, your rates may rise if your new spouse has a bad driving record — even with the marriage discount. If they have a bad driving record, bad credit, or have been involved in multiple claims, you can expect your rates to increase.   

If you’ve recently gotten married, you and your spouse need to review your insurance policies. Call the Wayzata, MN auto insurance experts at Pizano Insurance today for answers to all your insurance questions. 

Comprehensive and collision coverage in Wayzata, MN, are added coverage you can have as part of your auto insurance policy.

Comprehensive coverage will pay for damage to your car from almost anything, except a traffic collision. This can include vandalism, weather, or other events outside of your control. While it’s not required by the state, you may be required to have comprehensive coverage if you are financing or leasing your vehicle. Comprehensive coverage will become less valuable as your vehicle depreciates since it likely won’t pay out more than your vehicle value. Consider the value of your car and your deductible when considering if you should have comprehensive coverage.

Collision coverage is designed to cover the replacement cost in case you are in an accident, whether it’s with a stationary object such as a tree or another driver. It may also be required if you are leasing or financing, just like comprehensive coverage in Wayzata, MN. Even if you aren’t required to have collision coverage, it still has some benefits. Consider if you are able to replace or repair your car without coverage. If you are not in the financial position then you need to have coverage. The cost of replacing your car goes beyond the actual dollar amount of getting it fixed. There is also the disruption to your daily life through the replacement and repair process. Your insurance company won’t be able to assist you if you don’t maintain coverage.

An agent at Pizano Insurance can help you find the right policy for your needs. If you want the benefits of comprehensive and collision coverage, you can have the highest deductible that will fit your budget. If you want to use comprehensive or collision coverage for only major damage then you can have a higher deductible.

Contact Pizano Insurance to get a quote on auto insurance.

The idea of a vehicle that you can just command to go to a destination without having to constantly control is a beguiling one. Pizano Insurance serving Wayzata, MN provides some pros and cons for the still in development technology.

A driverless car would help the passengers free up time for other tasks, including conducting business on your mobile phone, watching content on a video screen, or even getting some extra sleep on the way to work. A driverless car will not engage in distracted or drunk driving. As part of a smart roads network, a driverless car would be able to map out the quickest route to a destination, avoiding traffic jams, accidents, and road construction. The technology will provide transportation options for people who would not be able to operate a motor vehicle, such as the elderly and people with vision problems.

Driverless cars have some drawbacks as well. Companies such as Google as well as a number of automobile manufacturers have been working on the technology for the past ten years and have yet to get all the bugs out. The problem of building a system, with computer navigation technology, that can do everything that a human driver can do has proven to be daunting. Some accidents, such as the one that temporarily halted Uber’s research and development program, have occurred. Other problems include how driverless cars, which always obey the traffic laws, will interact with vehicles with drivers who often do not as well as public acceptance of the technology. True driverless cars may be as much as ten years away from being common on the road.

For questions about driverless cars and all aspects of auto insurance, feel free to contact Pizano Insurance serving Wayzata, MN,