Auto Insurance

As you drive all over Minnesota, you want to know that you are protected against on the road and off. Insurance policies can be complicated, though our agents at T. French Insurance Agency can help you select the coverage that you need.

What auto insurance is required?

There are quite a few variables when it comes to determining what kind of auto insurance is required of you. Minnesota requires specific auto insurance minimums for liability, including bodily injury and property damage. Any policy that you get will need to meet the state minimums.

Additionally, you may have a lienholder that requires additional insurance coverage as a way to protect the vehicle until it has been paid in full. Often, this includes higher minimum liability levels as well as comprehensive coverage.

Insurance agents will be able to work with you to identify what auto insurance is required. Additionally, we can make suggestions on higher levels of coverage in order to offer you protection against the various scenarios that can occur on and off the road.

How are premiums calculated?

Obviously, your goal is to pay as little as possible on your monthly premiums. However, you also want plenty of coverage so that you don’t end up paying a significant amount of money out of pocket if there is an accident.

Premiums are based on a variety of components:

  • Where you live and where you park your vehicle
  • Your driving history
  • The type of vehicle you drive
  • The number of licensed drivers in your home
  • The kind of coverage levels you want
  • Your credit history

Our goal is to help you find a policy that works for you and get quotes from some of the top insurance companies that write policies in the state.

Call to speak to one of our independent insurance agents at T. French Insurance Agency today to learn more about obtaining auto insurance that you can count on.