If you are driving in Cloquet, MN, you definitely need auto insurance. This is true pretty much anywhere you go. However, with so many choices regarding your policy, it’s no wonder you question what coverage would benefit you the most. We at Brittany Olson Insurance Agency, LLC frequently encounter this question, so today, we’re providing you with a straightforward answer.

Liability

Undoubtedly, liability coverage offers the most value. As terrible and expensive as a car accident can be, being liable for the damages can be even more costly, particularly when medical expenses are involved.

Your car insurance can cover your liability against others and their liability failures toward you.

For example, what would occur if you encounter an accident that isn’t your fault and the other person has no insurance? You’re often left alone, but uninsured motorist coverage protects you. It covers you even when the at-fault party fails to meet its liability obligations.

This could cover medical expenditures and compensate for lost time at work, among other benefits.

Vehicle Protection

Vehicle repairs can be pricey, and vehicle protection assistance can help significantly alleviate those costs. For instance, most comprehensive policies cover windshield damage, making it surprisingly affordable to replace your windshield in case it gets damaged beyond repair.

And that’s just one example. There are numerous ways that vehicle protection covers can save you significant amounts of money if your vehicle gets damaged.

Emergency Services

Finally, let’s discuss emergency services. What happens if you run out of gas or your car breaks down during a road trip? It’s a stressful situation, but most insurers offer special options that cover such eventualities.

They can send someone to refuel or tow your car to a repair shop. While these features may not save you as much money as the previous covers, they offer peace of mind. Breakdowns are mentally exhausting, and these policy features provide a reliable source of help when things go wrong.

There are many other auto insurance options worth exploring. The optimal way to ensure you have the precise coverage you need is to converse with your representative at Brittany Olson Insurance Agency LLC. We have been serving Cloquet, MN residents for years and look forward to serving you as well.

Auto insurance is a significant and essential expense for residents of Cloquet, MN. At Brittany Olson Insurance Agency LLC, we deeply understand and specialize in this critical topic. Our team of seasoned experts is readily accessible to guide you through and help you understand the landscape of such insurance policies. We aim to equip you with the necessary knowledge to make informed decisions for your future.

Gauging the Impact of Your Credit Score

It is critical to consider your credit score, as it plays a significant role in the auto insurance policy you can attain. Understanding the current state of your credit score is vital, as it directly impacts the types of insurance policies available to you. By keeping yourself informed about your credit score, you’ll be better prepared, avoiding unforeseen surprises down the line.

The Implication of Safe Driving

Safety while driving is fundamental for obvious reasons and also contributes significantly to the probability of securing a comprehensive auto insurance policy. The safer the driver, the broader the range of options available. Conversely, a history of moving violations reduces the possibility of finding a policy that meets all your requirements.

Advantages of Anti-Theft Systems

Installing an anti-theft system in your vehicle can significantly impact your relationship with your insurance provider. Insurance companies favor those who take precautions, such as installing anti-theft systems. Opting for a vehicle equipped with these security measures from the outset is another viable option with numerous benefits.

Residents of Cloquet, MN, who wish to learn more about auto insurance policies can contact Brittany Olson Insurance Agency LLC. We’re here to alleviate your concerns and help you select the insurance policy that suits you best.

Auto insurance aims to protect us from the financial losses associated with an auto accident and injury. So, having adequate coverage is of the utmost importance.  Our agents at Brittany Olson Insurance Agency LLC in Cloquet, MN have the experience and industry knowledge to help you find the best coverage to fit your unique situation.   

In Minnesota, the state requires drivers to have a minimum of the following coverages:

• Liability (Bodily Injury) – $30,000 per person or $60,000 per accident to cover the driver and/or passengers in the other vehicle if you are found liable for the accident.
• Liability (Property Damage) – $10,000 per accident to cover repairs to the other driver’s vehicle if you’re responsible for the accident.
• Uninsured Motorist – $25,000 per person or $50,000 per accident to cover medical expenses for you and passengers involved in a hit-and-run accident, or the other driver has no insurance.
• Underinsured Motorist – $25,000 per person or $50,000 per accident.  This is to cover medical costs for you and any passengers if the liable party causing the accident has inadequate medical coverage to pay for your medical expenses associated with the wreck.  
• (PIP) Personal Injury Protection – $40,000.  Regardless of who’s at fault for an accident, PIP coverage covers medical expenses and lost wages for you and your passengers injured in an accident. 

How Does a Non-Owner Policy Work?

What if you don’t own a vehicle? In Minnesota, you can still find liability coverage to protect you financially when borrowing a car or driving a rental. It’s called a non-owner policy.  Suppose you don’t personally own a vehicle. In that case, this policy can still give you liability coverage for bodily injuries and property damage. Unfortunately, it doesn’t offer any coverage for your personal injuries or damage to the car you’re driving.

We Are Here To Help

A non-owner policy shows excellent responsibility and character when borrowing someone else’s automobile.  For more information, contact us at the Brittany Olson Insurance Agency LLC in Cloquet, MN, for more about a non-owner policy and other great options.