Home base at 261 East Broadway, Monticello
30+ years of combined team experience
Coverage compared across multiple carriers
Ham Lake meetings available by appointment
What a Complete Auto Policy Actually Covers
A well-structured auto insurance policy does more than satisfy the state's requirements. Here's what a complete policy typically includes:
- Liability coverage — pays for injuries or property damage you cause to others in an at-fault accident
- Personal injury protection (PIP) — covers your medical expenses and lost wages after an accident, regardless of fault
- Uninsured and underinsured motorist coverage — steps in when the other driver has no coverage or not enough
- Collision coverage — pays to repair or replace your vehicle after an accident with another car or object
- Comprehensive coverage — covers theft, weather damage, hitting a deer, and other non-collision losses
- Roadside assistance and rental reimbursement — practical add-ons that matter when something goes wrong
Every driver's situation is different. We'll look at what you own, how you drive, and what you'd face out of pocket in a worst-case scenario to help you land on limits that actually make sense.
Minnesota is a no-fault state, which means your own insurance covers your medical bills after an accident regardless of who caused it. State law requires every driver to carry a minimum level of liability coverage, personal injury protection (PIP), and uninsured motorist coverage — but those minimums are set low, and the gap between what's required and what actually covers you can be significant.
As an independent agency, we work with multiple carriers to find auto insurance that meets Minnesota's requirements and gives you meaningful protection beyond them. We'll walk through your coverage options in plain terms — no pressure, no guesswork — so you understand exactly what you're buying before you buy it.
What Minnesota Requires, and Why Most Drivers Need More
Coverage for Every Driver in Your Household
Standard auto policies cover more than just the primary driver. We make sure every person and every vehicle in your household is properly accounted for — and that your policy doesn't leave gaps when circumstances change.
We regularly help clients with:
- Teen and young drivers — adding a new driver to a policy affects your rate, and we'll find the carrier that handles that most fairly
- Electric vehicle insurance — EVs require carriers familiar with higher repair costs and charging equipment coverage; we know which ones do this well
- Multi-vehicle households — bundling multiple vehicles under one policy almost always saves money
- Bundling auto and home — combining your auto and homeowners insurance with a single carrier is one of the most reliable ways to lower both premiums
If you're in Monticello, Elk River, Buffalo, or the surrounding area, we can meet face to face to review your current coverage and see where you stand.
Common Questions About Auto Insurance in Minnesota
What car insurance is required in Minnesota?
Minnesota requires all drivers to carry liability coverage, personal injury protection (PIP) with a minimum of $40,000 per person per accident, and uninsured motorist coverage. The state's no-fault system means your own PIP coverage pays your medical bills first, regardless of who caused the accident.Minnesota requires all drivers to carry liability coverage, personal injury protection (PIP) with a minimum of $40,000 per person per accident, and uninsured motorist coverage. The state's no-fault system means your own PIP coverage pays your medical bills first, regardless of who caused the accident.What is PIP coverage and do I really need it?
PIP, or personal injury protection, covers your medical expenses, lost wages, and certain other costs after an accident — without waiting for fault to be determined. Because Minnesota is a no-fault state, PIP is required by law, and carrying more than the minimum is often worth it given how quickly medical bills accumulate.PIP, or personal injury protection, covers your medical expenses, lost wages, and certain other costs after an accident — without waiting for fault to be determined. Because Minnesota is a no-fault state, PIP is required by law, and carrying more than the minimum is often worth it given how quickly medical bills accumulate.How does uninsured motorist coverage work in Minnesota?
Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no insurance. Underinsured motorist coverage applies when the other driver has insurance, but not enough to cover your losses. Both are required in Minnesota, and we typically recommend carrying limits that match your liability coverage.Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no insurance. Underinsured motorist coverage applies when the other driver has insurance, but not enough to cover your losses. Both are required in Minnesota, and we typically recommend carrying limits that match your liability coverage.Does my regular auto policy cover my electric vehicle?
Standard auto policies can cover EVs, but not all carriers price or handle them well. EVs tend to cost more to repair, and some policies don't address charging equipment or battery replacement clearly. We work with carriers that have specific EV experience, so your coverage reflects the actual cost of owning and repairing the vehicle.Standard auto policies can cover EVs, but not all carriers price or handle them well. EVs tend to cost more to repair, and some policies don't address charging equipment or battery replacement clearly. We work with carriers that have specific EV experience, so your coverage reflects the actual cost of owning and repairing the vehicle.Can I save money by bundling my auto and home insurance?
In most cases, yes. Bundling your auto and homeowners policies with the same carrier typically earns a multi-policy discount that reduces both premiums. Because we work with multiple carriers, we can compare bundled and separate options side by side to make sure bundling actually saves you money before we recommend it.In most cases, yes. Bundling your auto and homeowners policies with the same carrier typically earns a multi-policy discount that reduces both premiums. Because we work with multiple carriers, we can compare bundled and separate options side by side to make sure bundling actually saves you money before we recommend it.
Local, Independent, and Working for You
We're a veteran-owned independent agency based in Monticello, and we work with a range of carriers so we're never limited to one company's products or pricing. When your situation changes — a new vehicle, a new driver, a move — we're already familiar with your policy and can adjust it without starting from scratch.
Our clients in Monticello and the surrounding communities know they can call us, stop in, or schedule a time to sit down and talk through their coverage. That's how we've always worked, and it's not something an 800-number can replicate.
Prefer to talk now? Call us at
(763) 432-2645.
