Category: Auto Insurance

Basic auto insurance is what the state mandates when it comes to coverage. At Brittany Olson Insurance Agency LLC in Cloquet, MN, we have years of experience. Our team will help to make sure that you have the right amount of auto insurance for your particular situation.

Is basic auto insurance ever the right choice?

Minnesota is a no-fault auto insurance state. The difference with no fault is that if you have an accident, the cost of injuries is borne by the person injured not the person responsible.  PIP (personal injury protection) is required of all drivers. Your insurance pays for your injuries. The minimum that you need to have is $40,000 for one person injured. $20, 000 of that is for hospital or medical costs and $20,000 for non-medical, which can cover lost wages, etc. 

In addition to the PIP, basic insurance includes liability coverage of $30,000 for injuries to one person and $60,000 for two or more people injured. $10,000 in property damage must be included. You also need to cover uninsured drivers or under-insured drivers in the amount of $25,000 for one person and $50,000 for more than one person. 

If you have limited assets, this amount may be adequate for your particular situation. However, if you have assets, basic auto insurance may not be enough auto insurance to protect you. If you lease a vehicle or have an auto loan, this coverage will not be enough. You will need to have collision and comprehensive coverage to protect the vehicle. 

If you don’t have a loan or lease, but you count on your vehicle to get to work or to just do the business of everyday life, then you will not be safe enough with just basic auto insurance coverage. 

Get The Right Coverage Today

Contact Brittany Olson Insurance Agency LLC in Cloquet, MN for all your insurance needs.  

When it comes to car insurance, there are a lot of options to choose from. One of the most important decisions you’ll make is whether to buy collision or comprehensive coverage. Both types of coverage are important, but they offer different benefits.

Here are the differences between collision and comprehensive coverage and help you decide which one is right for you:

What Is Collision Insurance?

Collision insurance is one of the most common types of car insurance. It covers damage to your car from collisions with other objects, such as other vehicles, trees, or guardrails. If you’re at fault for an accident, your collision coverage will pay for the repairs to your car. If you’re not at fault, your collision coverage will pay for the repairs to your car, minus your deductible.

What Is Comprehensive Insurance?

Comprehensive insurance is another common type of car insurance. It covers damage to your car from events that are not collisions, such as theft, vandalism, or weather damage. If you have comprehensive coverage and your car is stolen or damaged by a hurricane, your insurance will pay for the repairs. Like collision coverage, if you’re not at fault for an accident, your comprehensive coverage will pay for the repairs to your car, minus your deductible.

Should I Buy Collision or Comprehensive Coverage?

The answer to this question depends on a few factors. First, consider the value of your car. If your car is worth less, buying collision or comprehensive coverage may not make sense. The cost of the coverage will likely be more than the value of your car. Second, consider your driving habits. If you live in an area with a lot of traffic, or you’re a frequent driver in Cloquet, MN, you may want to consider collision coverage.

If you have an older car or you don’t drive often, comprehensive coverage may be a better option for you. Comprehensive coverage at Brittany Olson Insurance Agency LLC will protect your car from damage that isn’t caused by collisions.

Contact Us Today

So, what’s the verdict? Should you buy collision or comprehensive coverage? The answer is: it depends. Talk to us at Brittany Olson Insurance Agency LLC in Cloquet, MN to get expert advice on which coverage is right for you. We’ll help you make the best decision for your needs and budget.

At Brittany Olson Insurance Agency LLC in Cloquet, MN, we are a team of dedicated insurance professionals who work hard to provide our customers with the personal service they deserve.  As independent insurance agents, we can offer more options and find you the most affordable products.  

Documents you should always have in your vehicle

Every state has regulations and requirements in order to get your vehicle on the road and you behind the wheel. You need to be aware of those regulations but you need to follow them every time you drive your vehicle. 

Vehicle registration

If you have moved to Minnesota or are a current resident, you must register your motor vehicle. For new residents, you must prove who you are and prove ownership of the vehicle. You can do that by producing the title of the vehicle. If you don’t have the title because you still have a loan, you need to show your current registration. The Minnesota vehicle registration must be renewed every year. 

Your driver’s license

Your driver’s license should be on your person pretty much everywhere you go. Not only is it a picture ID but it shows that you have completed the necessary testing to have earned the right to drive. If a police officer requests to see your driver’s license, make sure that you have it where it is easy to access.

Insurance card

When you get your new auto insurance or you renew your old insurance, you will get a page with your policy that has a copy or two of your insurance card. If possible, place it in a plastic sleeve and put it in your glove box immediately. Place it in close proximity to your vehicle registration. 

Contact Brittany Olson Insurance Agency LLC in Cloquet, MN for the latest information about auto insurance and the state mandates that go along with it.