Car insurance may be required here in Minnesota, but a well-tailored policy offers drivers much more than legal compliance. Here at Owens Insurance Agency, we help Forest Lake area drivers like you, find affordable and dependable insurance that protects their vehicles, income, and livelihood against potential loss. Whether you are adding a vehicle to your household or looking for improved coverage options, we can help you get the most out of your policy long after the ink dries.
Personalized Risk Evaluation
We never make blind coverage recommendations. Instead, we personalize our advice according to your individual risk vulnerabilities. That means asking difficult questions that matter most, such as:
- What would a lawsuit cost your family if you are at-fault for an accident?
- How likely is it that you or a driver on your policy will be in an accident?
- How much would it cost to replace your vehicle?
- How much are you willing to pay toward the cost of a claim?
Types of Car Insurance Coverage
We encourage our customers to get the most out of their car insurance by purchasing multiple types of coverage – not just the mandatory ones. Purchasing additional coverage means better protecting yourself and your family against unexpected losses. Your car insurance policy may include:
This part of a car insurance policy is required by Minnesota law. We typically recommend purchasing high limits that will safeguard your income and assets against litigation if you or another driver on your policy is at-fault for an accident.
Law does not require this part of your car insurance policy, but it may be mandatory if a lender has a lien against your vehicle. Even if you own the title to your car, collision insurance can still protect you against a major financial loss if your vehicle is damaged or destroyed in an accident. This coverage can help pay for repairs or otherwise compensate you if the vehicle is a total loss.
This part of your car insurance policy also covers damage or loss of your vehicle, except only for non-collision events. Examples include theft, fire, and vandalism among other perils.
Your uninsured motorist protection provides coverage if an uninsured driver injures you or your passengers. It can also help fill in the gaps left behind by an at-fault driver’s low-limit liability coverage.
Several additional coverages can enhance the benefits of your car insurance policy and minimize your losses after an accident. Examples include towing coverage, roadside assistance, and reimbursement for a rental car or other temporary transportation while your vehicle is repaired after an accident.
Minnesota Car Insurance Discounts
At Owens Insurance Agency, our goal is to maximize your coverage benefits while minimizing your costs. We can recommend simple changes to save you money, such as raising your collision and comprehensive deductible. We can also search for money-saving discounts to further lower your premiums. Examples include:
- Low mileage discounts
- Claims-free discounts
- Good student discounts
- Driver safety course discounts
- Vehicle safety/security discounts
- Multiple-vehicle discounts (when you insure more than one vehicle on the same policy)
- Multiple-coverage lines discounts (when you combine auto with home, renters or other coverage types)
Request Your Free Car Insurance Quote Today
If you are not using an independent agent for your car insurance needs, you could be paying too much for too little coverage. Contact an agent to find out more about our car insurance coverage solutions and to request your free quote today. We look forward to serving you soon.