Forest Lake Auto Insurance
uto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required.
Doug Kasseth, at our Forest Lake, MN location represents a wide range of auto Insurance products. Our office will assist in helping you find the coverage you need and search for the option that fits you best. Accidents can be stressful and interrupt day to day life – let us help you through those times when something happens and get your life back on track as soon as possible.
When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, what deductible you would like, what liability limits you want, and whether you want any types of optional coverage. To help you understand what these terms mean and how much coverage is right for you below are explanations of the options.
We 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 and more! We Work For You!
If you are in the surrounding communities near Forest Lake, Centerville, Hugo, Wyoming, Stacy, Scandia, and Circle Pines, feel free to Contact our office at 612-326-9600, email [email protected] or click on the quote button to a set up an appointment.
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 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 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.
If you are in the surrounding communities near Forest Lake, Centerville, Hugo, Wyoming, Stacy, Scandia, and Circle Pines, feel free to Contact our office at 612-326-9600, email [email protected] or click on the quote button to a set up an appointment