Protect Your Vehicles
Auto Insurance COVERAGE
Owning a vehicle is part of the American Dream. We offer a variety of coverages to help protect and secure that dream. We will recommend the most competitive auto rates based on these coverages.
Your policy comes with a package of value-added features ensuring you and your car are fully protected.
Receive a Quote
Please complete our short contact form and one of our staff will assist you. Of course, we are available by telephone during normal business hours. You can reach us at (651) 451-0101 or Toll-Free at (888) 456-1543.
You can also get an instant quote from Progressive using the form below:
Changing Coverage
Is it time to remove collision or comprehensive coverage on your car or snowmobile? To get an idea of what your vehicle's current market value, visit kbb.com or nada.com. You can also compare your vehicle's value to others on the market by visiting carsoup.com or craigslist.
Personal Auto Policy Definitions
Many states have specific laws governing certain coverages of our personal auto insurance, but the main definitions and coverages are similar. Please review our personal auto policy for any legal definitions as some policies may very.
You: Named insured and your spouse (if resident of same household).
We: The insurance company providing the insurance.
Bodily Injury: Bodily harm, sickness, or disease (including death) that results. Includes loss of income and loss of pleasure.
Business: Your trade, profession, or occupation.
Family Member: A person related to you by blood, marriage, adoption, and a resident of your household including a ward or foster child.
Insured: This definition varies by coverage part. Please review each.
Part A Liability: You or a family member for any auto or trailer, any person using your covered auto, vicarious liability for your covered auto (your employee while on a company errand), vicarious liability for any auto used by you or a family member if that person or organization does not own that auto (your employer if you are in a borrowed car running a company errand).
Part B Medical Payments: you or any family member occupying or as a pedestrian struck by any motor vehicle designed for use on public roads or trailers and any person occupying your covered auto.
Part C Uninsured Motorist: you or a family member, any other person occupying your covered auto, and anyone else entitled to recover damages for those listed.
Occupying: In, upon, getting in, on, out, or off of.
Property Damage: Physical injury to, destruction of, or loss of use of property.
Uninsured Motor Vehicle: A vehicle with no insurance, insurance with a limit less than financial responsibility minimum, a hit and run, and also if the other company denies coverage or becomes insolvent.
Your Covered Auto: Includes the autos listed in the declarations page of your policy, a car, pick-up, or van acquired during the policy term:
If a replacement vehicle, for the same coverage as vehicle it replaced and must notify within 30 days for physical damage.
If an additional vehicle, for broadest coverage of any vehicle on the policy but must notify within 30 days, an owned trailer, and a temporary substitute vehicle (though not covered for physical damage).
