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Minnesota Car Insurance

Since 1998, Van Curler Insurance Group has been helping Minnesota residents find quality car insurance and reasonable premiums. We’re an independent agency, so we can retrieve quotes from over a dozen highly rated insurance companies, and if you need to make a change in the future, you can switch insurance companies but keep us as your agent. If you have any questions, contact us.

Car insurance - Parked, gray sedan.

Car Insurance Coverage

  • Auto liability Covers property damage and bodily injury you cause to others in an auto accident.
  • Collision Covers damage to your vehicle caused by a collision with an object or another vehicle.
  • Comprehensive Covers damage to your vehicle caused by something other than a collision.
  • Uninsured/underinsured Covers bodily injury you sustain in an accident with a driver that has too little or no insurance.
  • Personal injury protection Covers medical expenses and lost wages without regard to fault.
  • Rental reimbursement Covers the cost of a rental car while your vehicle is being repaired from a covered incident.
  • Roadside assistance Covers towing, fuel delivery, and other services if your vehicle becomes disabled.

Continue your research with auto insurance basics provided by the Insurance Institute for Highway Safety.

Common Car Insurance Questions

Does car insurance cover hail damage?

Hail damage is covered under the comprehensive coverage portion of an auto insurance policy. Comprehensive is an optional coverage that isn’t included on all policies, so you’d need to check your declarations page or contact your insurance agent to know for sure.

How much auto insurance do I need?

The state of Minnesota dictates a minimum level of liability ($30k per person / $60k per accident / $10k property damage), uninsured/underinsured ($25k per person / $50k per accident), and personal injury protection ($40k per person per accident). These minimum limits, however, aren’t enough to protect you in today’s world. For example, $10,000 of property damage liability won’t cover the cost to replace someone’s new vehicle if you’re responsible for totaling it. The amount of coverage needed can vary from person to person, based on financial situation, family status, and much more.

How do I find good car insurance rates?

To find good insurance rates, you need to get quotes from a bunch of insurance companies. You can do the leg work yourself or you can work with an independent insurance agency to compare quotes on your behalf. It’s important to know what coverage you’re looking for before getting started so you don’t end up with unexpected coverage gaps.

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