Coverage designed for Minnesota's roads — from icy highways to rural county roads where deer are a real hazard.
Minnesota drivers face challenges that drivers in other states don't — extended winters, icy roads, heavy snowfall, and one of the highest rates of deer-vehicle collisions in the country. Your auto insurance should be built for where you actually drive.
As an independent agent, David shops multiple carriers to find the best combination of price and coverage for your specific vehicles, driving record, and household. Whether you drive one car or a fleet of farm trucks, we have you covered.
Minnesota's climate and rural landscape create risks that require specific coverage considerations.
Ice, snow, and black ice make winter driving dangerous. Comprehensive and collision coverage give you peace of mind all season long.
Minnesota ranks among the top states for deer-vehicle collisions. Comprehensive coverage pays for deer strike damage — it's essential in rural MN.
Insure multiple vehicles on one policy and save. Farm households with multiple trucks or an ATV or two can bundle for additional savings.
Combine your auto and home insurance with the same carrier and enjoy meaningful multi-policy discounts on both premiums.
Minnesota requires liability coverage of at least 30/60/10, plus no-fault personal injury protection (PIP) of $40,000 and uninsured motorist coverage. We can help you understand whether minimum limits are adequate for your situation.
Yes. Deer strikes are covered under comprehensive coverage, not collision. Comprehensive also covers theft, hail, fire, flooding, and other non-collision events.
Yes. We can help insure ATVs, snowmobiles, motorcycles, boats, and RVs — often bundled with your auto policy for convenience and savings.