At Brittany Olson Insurance Agency LLC we do more than provide auto insurance. We also believe it’s important to educate our Cloquet, MN customers on auto insurance.
Auto Insurance Myths
Myth 1: Insurance is Tied to the Driver
The truth is that most insurance policies cover the car, not the driver. This means that if another licensed driver has an accident in your vehicle, your policy will cover it.
It also means that if you drive someone else’s vehicle that isn’t insured, your insurance will not cover it.
Myth 2: One Insurance Company Is the Same as Any Other
This is also false. Generally, insurance companies offer similar types of policies. However, the number of policies and options offered, premiums, and deductibles can vary greatly. Customer service can also vary between companies, so there’s a lot to consider when choosing an insurance provider.
Myth 3: You Only Need Minimum Coverage
Minimum coverage will keep you legal, but it may not provide the coverage you need. If you are involved in an accident, and the costs of the accident exceed your coverage limits, you’ll be responsible for the difference.
Myth 4: Full Coverage Includes Everything
Full coverage includes comprehensive and collision coverage. This type of coverage covers nearly everything, but there are some exceptions.
Collision coverage covers damage to your vehicle if you are at fault in an accident.
Comprehensive coverage covers damage to your vehicle when you aren’t on the road. This includes theft, vandalism, and damage due to storms.
However, policies typically have some exclusions. Your policy may not cover other drivers. Some policies only provide coverage within the U.S.
Reach Out To Us
If you need auto insurance in the greater Cloquet, MN community, contact us at Brittany Olson Insurance Agency LLC. Our friendly agents will discuss your options and help you choose the best policy for your needs.