Staying Safe During The Summer Driving Season

Summer is synonymous with road trips, vacations, and outdoor activities. But while the sun and heat provide some welcome break from the season’s colder weather, summer also brings with it road hazards such as heat stroke, fatigue, and poor driving conditions.

Safechoice Insurance Agency of Rochester, MN is here to prepare you for the summer driving season. Read on to learn more!

What To Do Before You Leave

  • Get a maintenance check done on your vehicle. Even basic servicing can help prevent breakdowns and keep you and your family safe on the road.
  • Plan your route. Map out your route before you leave. Know where you are going and what road conditions you’re likely to encounter. Also, be aware of the weather conditions that could affect your route.
  • Stock up on emergency supplies. Keep a roadside emergency kit in your vehicle at all times. Your kit should include water, nonperishable food, a first aid kit, a flashlight and extra batteries, a blanket, a cell phone and charger, tire-changing tools, and jumper cables. Be sure to bring the necessary medications and medical equipment.
  • Make sure your insurance is up-to-date. Check with your insurance agent to ensure your policy covers common summer road hazards. You may also want to consider buying a roadside assistance plan.

What To Do On The Road

  • Avoid distractions. Risky driving behaviors such as texting and talking on the phone while driving may be tempting, but they can be deadly. If you must use your phone, use a hands-free device or pull over to make the call.
  • Stay alert. Plan to take breaks every two hours or so. Get out of the car, stretch your legs, drink plenty of water, and rest if necessary.

Let Safechoice Insurance Agency be your trusted partner on the road. We are here to serve all of Rochester, MN!

Why it’s a great idea to get roadside assistance with your auto policy

The team here at Safechoice Insurance Agency is proud to serve the insurance needs of the greater Rochester, MN area. If your auto policy isn’t cutting it anymore, we can help you with an upgrade! Our team is here to help you find the right policy for your needs. Get in touch today!

Benefits of roadside assistance

One of the most basic and obvious advantages of having a roadside assistance benefit included in your auto policy is that you will get the help you need if your car breaks down or is involved in an accident. Having this service through your auto insurance provides another layer of benefit.

When you are involved in a mishap or your car is inoperable due to a covered event, you will need to work with your insurance company to repair or replace it. If the vehicle is going to be fixed, your insurance company will probably have specific stipulations and requirements. If the tow truck you call takes your vehicle to an unapproved repair shop, the work may not be covered.

Using the roadside assistance that comes with your policy ensures that you work with approved vendors. This will help the claims process go much more smoothly. Getting your car fixed is already stressful enough. There’s no reason to add insurance issues to the process!

Give us a call today!

Rochester, MN area drivers can rely on Safechoice Insurance Agency for their insurance needs. If it’s time to upgrade your policy, give us a call or come by our office to find out more about the options available in our area. We look forward to working with you!

Who should get an auto insurance plan in Rochester?

Those that are in the Rochester, MN area will almost always be better off owning a vehicle. If you are a vehicle owner when you are here, getting a proper insurance plan is very important. There are a few reasons why everyone in this area of the state should consider getting auto insurance coverage when in the Rochester area. 

Coverage is a Standard Requirement

A good reason to get an auto insurance plan here is that it could be a requirement for you. If you want to drive a car on a public road in Minnesota, you will be obligated to carry liability coverage to comply with the state’s minimum requirements. Further, if you have a loan outstanding, you likely will be required to carry a full comprehensive insurance plan at all times. 

Coverage Protects Asset

You should also get coverage for your vehicle to protect your asset. Those that purchase a car will want to enjoy it for a long time. A good way to ensure this can happen is by getting a full auto insurance plan. If you do maintain a full comprehensive insurance plan at all times, you will have coverage that can mitigate many risks including the risk of theft or damage. 

People that are in the Rochester, MN area and want to be vehicle owners need to ensure they carefully evaluate their insurance needs. As you are looking for a new plan in the area, calling Safechoice Insurance Agency is always a good decision. There are plenty of choices that need to be made when looking for coverage and Safechoice Insurance Agency can make it easier for you. The team here can offer you great support and guidance that will help you determine your needs and evaluate your options. 

Minnesota Car Insurance: What to Do After Car Theft

When your vehicle has been stolen, it’s normal to feel overwhelmed or feel like you don’t know what you need to do. The most obvious responses are to first call the police and then call your insurance company. If it hasn’t happened yet, you can prepare yourself with your car insurance ahead of time. 

At Safechoice Insurance Agency, we want Rochester, MN to feel secure with their car insurance no matter what happens. 

Report the Stolen Vehicle

The first thing to do when you have a high-value asset stolen is to call the police. Do this before you call the insurance company because we will want to know the results of this call. When you can, get the police report number, and take as much information as you can for your next call, the insurance company.

After you have reported the stolen car to the police, call the insurance company. A claim advisor will help you with your claim. In many cases, you may need to wait 5 to 7 days for your claim to be processed. We will want to see if the police recover your vehicle or not.

Will Insurance Cover a Stolen Car?

Your car insurance will cover a stolen car if you have comprehensive insurance. It will replace stolen vehicles, stolen parts from vehicles, and damage to your vehicle after vandalism or other crime.

If you have personal belongings in the car, that will be covered by renters insurance or home insurance. This is one reason it is always easier to bundle your insurance policies with the same company.

Get a Quote

When your car gets stolen, this is a major crisis in your life. Safechoice Insurance Agency wants the people of Rochester, MN to feel secure before that happens, and when it happens. Call us for a free quote or to update your comprehensive coverage today.

Who needs auto insurance in Rochester?

In the Rochester, MN area having access to a car is very important. When you have access to a vehicle, you will be able to quickly get around town and complete your tasks and errands efficiently. Along with picking a car, another important task that you need to complete is to pick an auto insurance plan. This insurance coverage is necessary for many different situations. 

Those that Want to Drive Legally

A situation when someone will need to have auto insurance in the Rochester area is when they would like to drive a vehicle legally. Anyone that is going to drive a car in this area of Minnesota needs to follow the state laws around liability insurance. All drivers that want to use a public road are obligated to carry vehicle liability insurance at all times. 

Those that Want to Protect Vehicle

You will also want to get an auto insurance plan if you want to protect your vehicle. When you are going to buy any type of car you are making a big investment. To ensure that your investment pays off over the long run, you need to get proper insurance for it. A full collision and comprehensive plan will give you the coverage needed to ensure you can repair or replace your vehicle if you are involved in an accident or other incident. 

If you need to get auto insurance when you are in the Rochester, MN area, it would be a good idea for you to call Safechoice Insurance Agency. The team that is with Safechoice Insurance Agency understands the value that this insurance protection provides. They can help someone to better assess all of their options and needs when it comes to coverage. They can then help you build a plan that is ideal for your situation.

Common Myths About Auto Insurance

Every responsible driver and car owner understands how important car insurance is. It protects a driver, vehicle, passengers, and other parties on the road. Unfortunately, there is a lot of unverified information and misconceptions about auto insurance that may not let you make the right decision and get the auto insurance policy you really need. For this reason, Safechoice Insurance Agency serving Rochester, MN decided to debunk some common myths about car insurance:

You Auto Insurance Premium Is Determined By The Color Of Your Car

The truth is that the color of your car does not affect the cost of your insurance. There are other factors that may have an impact on auto insurance premiums, including the model of the vehicle, its engine size, age, the cost to repair it, and some others.

Older People Have to Pay More For Auto Insurance

It is another common myth that has nothing to do with truth. Actually, older drivers are often qualified for special discounts. For example, if a driver at the age of 55 and older successfully completes an accident prevention course, he or she may get a discount on their auto insurance premium. 

The Credit Score Does Not Affect The Cost of Insurance

Unfortunately, it does. Most insurance companies evaluate your credit score in order to understand how likely you will have an insurance loss and file a claim. Therefore, the lower your credit score is, the more likely you will have to pay more for your auto insurance. 

If you are a car owner from Rochester, MN or any other surrounding area and you are looking for a proper car insurance policy for your vehicle, Safechoice Insurance Agency will be glad to assist you and help you find the coverage according to your insurance needs and budget. Give us a call today and get your insurance tomorrow. 

What Are Minnesota’s Auto Insurance Minimums?

Many Rochester, MN drivers who buy the legal minimum of insurance don’t put much thought into it. You simply go to Safechoice Insurance Agency, ask them for liability, and assume that they can work it out from there. But what does that liability protection actually cover? Let’s break it down simply:

  • $30,000 in bodily injury per person per accident
  • $60,000 in bodily injury total per accident
  • $40,000 in PIP, Personal Injury Protection
  • $25,000 in uninsured motorist coverage per person per accident
  • $50,000 in uninsured motorist coverage total per accident
  • $25,000 in underinsured motorist coverage per person per accident
  • $50,000 in underinsured motorist coverage total per accident

Roughly half of all US states require uninsured and underinsured motorist coverage. It’s sort of ironic that the law states that those of us who buy insurance have to cover for those of us who do not, but so it goes.

The legal minimum is a good starting point, but it’s not really the best idea to settle for that. You would rather not settle for minimum wage, minimum portions, minimum effort, so why settle for the minimum mandatory insurance? The least amount of insurance legally possible will help you to keep from being bankrupted in the event of an accident that was your fault, but you will at least need comprehensive and collision if you want to protect your car, and you may want to consider gap insurance and replacement cost coverage if you’re still paying a new vehicle off.

If you’re still shopping around for auto insurance in Rochester, MN, get in touch with Safechoice Insurance Agency. Call us up or visit the Safechoice Insurance Agency website and we’ll connect you with the coverage you need.

How Much Auto Insurance is Needed with an Outstanding Car Loan?

Insurance concepts are challenging for many consumers driving the highways and suburban roads in the Rochester, MN area. Things become even more confusing when consumers try to understand the insurance requirements for those cars bought on time.

Yet, having a full understanding of this insurance coverage issue is critical if you are to secure the right insurance protection for yourself while having an outstanding car loan.

According to the insurance experts at Safechoice Insurance Agency, it is essential to understand the definition of the loan amount before deciding on the amount of coverage you need. Remember, the loan balance can exceed the total monies borrowed, because closing costs and loan fees are often financed.

The outstanding balance of a loan is typically the bare-bone, basic minimum insurance required by the lienholder, although each lender can set their criteria. It is common, and prudent, for car owners to insure their cars for more than the loan amount – because this allows them to protect their investment in the vehicle – the down payment. 

Consider this quick example-

  • You bought a car and have a loan of $25,000.
  • Your car insurance covers your vehicle for cash value only. 

In the event of an insurance payout in the above scenario, the claim will pay the cash value, which in this example is $22,000. Who would be responsible for the shortfall of $3,000? ($25,000-$22,000=$3,000)

The short answer is – you, the insured, would responsible for the shortfall if you did have gap insurance.  Gap insurance is a type of policy that covers any shortages if the insured amount falls short of the outstanding loan balance.

The insurance professionals at Safechoice Insurance Agency serve the communities in and around Rochester, MN for all their car insurance needs, including gap coverage. Reach out to the insurance experts today!

Is basic auto insurance right for me?

In Minnesota, the No-Fault Automobile Insurance Act requires everyone who is on the roads in the state to have basic auto insurance. This includes personal injury protection, liability insurance and uninsured/underinsured motorists coverage. This protects you and anyone else in your vehicle as well as protecting the people and vehicles that you are involved in an accident with. But in an accident where you are at fault, it does not cover your vehicle. At Safechoice Insurance Agency in Rochester, MN our agents can help you understand if this is the coverage you need or if you need additional coverage. 

While the law requires you have these basic coverage, you have the option of adding additional coverage that can offer more protection. If you have assets you may want to have more liability insurance than just the basic amount. If you have a vehicle that has a reasonable amount of cash value you may also want to provide insurance that can help repair or replace it in the event that it is damaged. 

Collision is additional coverage that provides the money that you need to have your vehicle repaired or replaced in the event of an accident. It usually has a deductible that you determine. If you would not be able to pay for the repair or replacement of your vehicle on your own or it would be a hardship, this can be very important coverage. 

Comprehensive insurance covers damage that results from something other than an accident with another vehicle. It can be weather-related damage such as hail or high winds or it can be vandalism. If your car is stolen, comprehensive insurance is what covers its loss. 

Basic auto insurance may be right for you but if you aren’t sure Safechoice Insurance Agency in Rochester, MN has the knowledgeable staff to help you to make the right decision. Give us a call or stop by our office for a no-obligation quote. 

 

 

Learner’s Permits and Auto Insurance

Kids in Rochester MN grow up fast, and before you know it, your kids will be talking about learning to drive. If you have a child who is getting close to receiving his or her learner’s permit, you may have wondered about their auto insurance coverage. Here is more information about learner’s permit insurance from Safechoice Insurance Agency.

Before They Get the Permit

Many teens cannot wait to get behind the wheel and will be urging their parents to go to the Department of Motor Vehicles to get their learner’s permit as soon as possible. However, wise parents know that there are some business matters to attend to before their teens can start driving. Parents need to know exactly what the insurance issues are before their kid ever gets behind the wheel of the car. Will your policy costs go up when your kid has a learner’s permit? Can you afford the difference in cost? Your insurance provider is the only one who can answer these questions, so take a few moments to make a quick phone call before you promise your child that you will go get their permit. 

After They Get the Permit

In many cases, the parent’s insurance policy will cover the teen with a learner’s permit, but it’s not safe to assume this. Always ask the question. In some circumstances, if the car belongs to the teen, with the teen’s name on the title, a separate policy may need to be purchased for the teen’s car. In fact, before you buy a car for your teen, it’s best to ask your insurance agent about how best to work through all of the possibilities. 

Find Out for Yourself

Your teen may tell you that his friend didn’t have to have extra insurance, and your sister may assure you that her teens with learner’s permits are covered on her policy. However, you should know that policies and state laws vary widely. Always find out for yourself by calling your agent with your questions. 

To know how your insurance company handles learner’s permits in Rochester, MN, contact Safechoice Insurance Agency today!