About Us 

Welcome to our agency!

Our Primary Purpose

My name is Tom Kotula and along with my wife, Margaret we have been providing no-stress, hassle-free insurance options as Direct Insurance Services of MN since 2010. We are an independent agency representing multiple top-preferred insurance companies so we can quote you the most competitive rates with the right coverage to protect your family, home and business.

Direct Insurance Services of MN is based in Sauk Rapids, where customer service, trust and options are our #1 priority. Our priority is caring for what matters to you most. We have families, homes, vehicles, and our health to worry about, just like you do, and we will care for you just as we do ourselves.

We’re proud to offer high-quality, local, independent service to you, face-to-face everyday in central Minnesota, as well as insurance services and insurance quotes online.


Trust is the backbone of what we do as a local insurance agent.

Referring to your insurance person as an agent is not an accident; we are your legal representative to the insurance company. We are licensed by the state 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.

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 and who you can trust is essential.

Client Centered


An independent agent like us has the ability to quickly cross-check prices and coverage levels with many different insurance companies. Rates can vary widely, so an independent agent can very likely get you a better deal than you can yourself. You can apply for insurance quotes online, or contact us directly if you have questions.

We currently provide insurance from about a dozen different companies, including but not limited to: Safeco, Progressive, MetLife, Travelers, Minnesota Fair Plan, Liberty Mutual, Hartford, Hagerty, and more.

Customer Service

My favorite part of being an independent agent is helping you find the perfect policy to fit your needs. That’s why we were honored to be chosen as the 2015 Smart Choice Leadership Award by Smart Choice, a network of more than 4,800 independent agents and 80 carrier partners.

Contact us today to get started on protecting your life and loved ones from loss!

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