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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

Questions To Ask Your Agent

-How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)


-What is the insurance company's level of service and ability to pay claims?


-What discounts are available? (Ask about good driver, multiple policy and student discounts.)


-What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)




Auto insurance is an essential tool for protecting yourself against financial loss in the event of an accident. Injuries and repairs can be expensive and time-consuming, and Minnesota requires all drivers to carry at least some auto insurance. 

While insurance can seem like just another bill to pay, it is extremely helpful and an independent agent can help you find a great deal.

 

Auto Insurance Coverage For MN

Minnesota requires certain insurance coverage in order to drive your vehicle, and if you take out a vehicle loan, your financial institution can also require certain coverage above-and-beyond what the state does.

Required

Liability

Liability helps you pay for bodily injury, including death of a driver or pedestrian, or property damage, like vehicles and buildings, when the accident is your fault.

Underinsured/Uninsured Motorist

Car insurance is required in Minnesota, but many drivers continue to drive without it. If you get into an accident with an underinsured or uninsured driver, this type of coverage will help cover your medical costs which exceed your personal injury protection, which we will discuss below. 

No Fault

No fault coverage is also known as personal injury protection (PIP). It will pay your medical bills and loss of income after an accident regardless of who caused it. This coverage extends to your household family members.

This coverage will also kick in if you are a passenger in another person’s vehicle.

Optional

Collision

This type of coverage encompasses expenses to repair or replace a vehicle which has been damaged in a traffic accident.

Comprehensive

Comprehensive coverage will take care of damage which is sustained by vandalism, storms or anything not traffic related.

Other

You can purchase additional coverage beyond collision and comprehensive, including rental car and roadside assistance coverage. Most companies offer these as well.

An Independent Agent Gives You Choices


Referring to your insurance person as an agent is not an accident; the agent is your legal representative to the insurance company. The agent is licensed by the state, and is required to act as an advocate for you.

An independent agent must legally put your needs first, above their own or the company you choose to deal with.

Besides this very important aspect, an independent agent has the ability to quickly cross check prices and coverage levels with dozens of different insurance companies. Rates can vary widely, so an independent agent can very likely get you a better deal than you can yourself.

Insurance companies language in their contacts and coverage descriptions can vary widely from company to company and state to state, so having an agent on your side who understands the business is essential.

Direct Insurance Of MN Can Help

Contact Direct Insurance of MN today to set up an appointment with one of our local agents!

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