Auto Insurance


Just What is Auto Insurance Anyway?
Auto Insurance is a coverage provided by an insurance company that protects you in the event of an unfortunate accident or other losses involving your vehicle. Typically this sort of coverage will cover your property, any liability and medical.

Some people opt for the minimum liability coverage required by law. While others choose to insure their vehicle with full coverage. In general, an auto insurance policy will protect you from the following:

Bodily Injury Liability
In the unfortunate event that the designated driver or policy holder is involved in an accident and is injuried in the process, those injuries will be covered with the Bodily Injury Liability coverage. Additionally, if you have others listed on your policy and they drive any other vehicle, with the owners permission of course, they too will be covered under this coverage. You are required to have the state minimum coverage. However, if you were involved in a more serious accident or were faced with a lawsuit the state minimum may not be enough. Having adequate coverage will protect you and your assets in the long run.

Medical Payments
While Bodily Injury coverage covers designated driver or policy holder in the event of an injury, Medical payments will cover the driver as well as the passengers in the vehicle during the time of the accident. In some cases, if adequately covered, you may be able to cover your medical costs, lost of wages and even funeral costs if necessary.

Property Damage Liability
Property damage liability coverage covers the damage to property. I’m sure you can tell from it’s name. If you or someone you’ve given permission to drive your vehicle damages someone else’s property, the cost to cure would fall under this coverage. Some examples would be damage to buildings, street lights, street signs, telephone poles or any other structure that may have been damaged.

Unlike property damage coverage, collision coverage covers your vehicle in the event you are in an accident with another vehicle or struck an object/structure. Some may not know this but collision coverage can also protect you against damage happening as a result of a pothole or if your vehicle is flipped over. When you sign up for this coverage you’ll need to choose a comfortable deductible. You’ll want to choose a deductible that fits your personal situation. If you are looking for lower premiums and can afford to cover a larger portion of your loss then a higher deductible will be suitable. Otherwise, if you prefer to cover the least amount of your loss possible but can afford higher premiums, then a lower deductible is a better option.

Comprehensive coverage will cover you in cases where you were not involved with a “collision” accident. Meaning, you did not strike anyone’s vehicle or property nor did anyone strike you. Comprehensive coverage will cover you in the event of a fire, acts of God (hail, tornado, objects falling from the sky),  theft and other situations where a collision did not occur. This coverage can also cover damage to your windshield.

Uninsured and Underinsured Motorist Coverage
While auto insurance is required by law, not everyone abides by it. This is the reason you need Uninsured Motorist Coverage. If by chance you are involved in an accident with someone who doesn’t have insurance, uninsured motorist coverage will cover you, additional insured drivers and anyone you give permission to drive your vehicle. Additionally, if you are involved in a hit and run accident, this is the coverage that will reimburse you for your losses. On the other hand, Underinsured Motorist Coverage will cover you if the person responsible for the accident doesn’t have enough coverage to cover the losses.

State Insurance Agency is committed to providing excellent service, educating our customers and being a single point of contact for all your insurance needs. If you are interested in STATE auto insurance fill out the form to the right and one of our helpful customer service agents would be glad to assist you.

What Clients are saying...

As the owner of a small business, I have a lot of hats to wear. Because of my trust in State Insurance Agency, one I don’t have to wear is that of an "insurance expert". I rely on Jeff and the excellent support staff at State Insurance Agency...

Anthony Brumm, Maple Grove MN

Not only did they save us over $2,000.00 a year from Allstate, with better coverage and lower deductibles, but The Agents all have a genuine interest in you the client, and what is best for you, while all the time keeping in mind any savings for you...

Terry & Jenny Wagner, Brooklyn Park MN