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 218-625-0050

Duluth Auto Insurance

Duluth and its partner, Twin Ports City, Superior, is Minnesota’s beautiful great lakes tourist attraction and the home of the Marnich family for generations.

Bob Marnich is your local Insurance Brokers of Minnesota agent in Duluth. Bob, his wife Bettie and son Dallas are Duluth natives and know and understand the culture and insurance needs of their friends and neighbors of beautiful Duluth, Hermantown, Superior, Cloquet and Silver Bay. The Marnich’s are your direct connection to the resources needed to put together insurance coverage that precisely match you and your insurance needs for auto, home, business and life insurance.

The Marnich team will shop the market for you with companies like Allstate, AAA, Nationwide, Travelers, Auto Owners, Progressive, Chubb, Met Life, Kemper, Safeco, State Auto, The Hartford, UFG, Acuity, Badger Mutual, Wilson Mutual and more!

Let the Marnich Family Work For You

Unlike an impersonal website or dealing with a single out of state company on your own, Bob, Bettie and Dallas  can assure that you get the best coverage at the best price for your situation

Call us today to discuss what you need. 218-625-0050

Bob and Bettie Marnich and their son Dallas are natives of Duluth. They run their family business on Haine road in Duluth.  The Insurance companies that we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. Make sure you understand what these terms mean and how much coverage is right for you.

Coverage Options

Collision and Comprehensive (other than collision) Coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability Coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Personal Injury Protection

Minnesota require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Under-insured Motorist Coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an car accident with a hit-and-run driver.

Optional Coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How Much Do I Need?

Choosing the appropriate level of car Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductible), and your tolerance for risk.

Free Auto Insurance Quote