Auto Insurance

Extend the Life of Your Vehicle with These Easy Tips

Posted on by AgentInsure

Keeping your car running smoothing requires regular attention to little details. You don’t need to be a mechanic or spend hours under your car’s hood to extend its life. You do, however, have to see to the little things: regular maintenance and proper insurance. Here are a few tips from Safechoice Insurance Agency on how to extend the life of your vehicle.

How To Keep Your Car Going

Cars are often retired to the scrapyard when there’s a major failure, such as a blown piston or dead transmission. These large issues arise when little details are neglected over weeks, months, and years. Taking a few simple steps can keep your car going strong. To extend the life of your car, take time to do the following:

  • keep your tires properly inflated
  • have your oil changed regularly
  • put up a sunshade when you park

The third tip, using a sunshade, is especially important during the afternoon. When the sun’s high in the sky, its rays will damage an interior, causing it to fade over time. A sunshade will reduce the damage that the sun causes to your car’s cabin.

How To Keep Yourself Insured

If you’re hoping to drive your car for thousands and thousands of miles, you’ll want to make sure you’re properly insured when you’re on the road. The level of auto insurance that you need will depend on your personal situation, driving habits, and your car. The best way to determine how much insurance you should carry is by talking with an independent insurance agent. An independent agent can compare the different policies that are available in Minnesota and help you choose the one that provides the best coverage at the lowest price.

If you live or own a car in Rochester, MN, Safechoice Insurance Agency can help you find an auto insurance policy. We have independent insurance agents who are ready to assist you. To speak with one, give our office a call.

 

What Are The Options With Auto Insurance?

Posted on by AgentInsure

When you are searching for auto insurance in Rochester, MN it’s important to know about all of your options. The state of Minnesota requires a minimum level of coverage under liability, which provides protection for personal injuries as well as property damage.

Minnesota requires the liability coverage as well as PIP (Personal Injury Protection), underinsured coverage, as well as uninsured. You can also explore the optional coverage of collision and comprehensive.

By working with an independent insurance agent, we’re able to work with you on all of the different options. It can be overwhelming to find a policy in Rochester because the different companies all like to show you different forms of coverage.

You want to have not only what’s required by the state, but also some additional protection. This can end up saving you money in the long run because if you are involved in an accident or something else happens to your car, you want to be able to file a claim.

The coverage can be more affordable than you think. To double the liability coverage, it may only be a little more a month and it can provide you with peace of mind knowing that the coverage is in place.

The best thing to do is call and let our agents help. We work with all of the top insurance companies who are licensed in Minnesota. This makes it easier to determine what your options are and to get quotes in order to make more accurate comparisons.

Call and talk to one of our agents today. We will go over the required elements of auto insurance as well as the options in order to build a great policy for you. We can then get quotes to help you find the most affordable policy.

 

 

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Protecting Your Beach Vehicle with the Right Type of Auto Insurance

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One of the best ways to have fun on the beach is by cruising down the shore while the tide rolls in.  And while driving on the beach is legal in many areas, it is imperative that you check for any local laws that apply to the beach areas you want to drive on.  If you break any laws, you may have to pay a fine.  You'll also want to make sure you protect your beach vehicle with the right insurance.  

If you drive your vehicle on the beach on a regular basis, you should inform your current insurance provider.  Any time that you compare quotes from insurance providers, you should also tell them that you regularly drive on sand.  In doing this, you can receive quotes on policies that adequately protect your vehicle.  If you fail to tell an insurance company that your vehicle regularly travels in sand and you file a claim, then compensation may not be given.  

There's no denying that many beach vehicles have quite a bit of money invested them.  You will want to let your insurance company know of any upgrades that you do; this will also help ensure that you have coverage for all that you have invested.  

It is of the utmost importance that you compare quotes from multiple carriers before making a final purchasing decision.  By speaking with our independent insurance agency, we can help you compare quotes and find a policy that best suits your exact insurance needs.  More importantly, we can find a policy that is both affordable and adequately protects your beach vehicle. 

Collectible coverage in Rochester

Posted on by AgentInsure

There are some real beauties tucked away in garages and barns in and around the Rochester area. These antique cars and pickup trucks have been meticulously maintained by generations of owners. They’re the pride and joy of those who are lucky enough to drive them, and they know better than to slide by on just minimum liability insurance.

Just because that vintage car or truck isn’t on the road everyday doesn’t mean that it shouldn’t be fully insured. Some people insure them only for special events, parades or shows. Others insure them from spring to fall, while certain owners insure them for specified mileage limits like 5,000 or 10,000 miles per year. However you want to use that car or truck, we have a policy and premium plan that you can work with.

As independent insurance agents, we’re pleased to offer you the coverage you insist on for your collectible vehicle. We give you choices of insurers, coverage and premiums that most other agents just can’t give you. Telling you what your coverage is and how much it’s going to cost isn’t giving choices. We’ll give you unbiased and objective opinions and advice on any policies and special coverage you might be interested in, so you know your vintage vehicle is insured all the way around.

We’re well established and respected in the communities that we live in and service. With our experience and the insurance companies that we work with, we can tailor classic car insurance to suit whatever your needs are.

We like seeing you in that timeless vehicle and you’re happy to be driving it. If you’re thinking of buying a collectible beauty in or around MN Zip Code 55901, just call us to talk. We’re pleased to answer your questions.

5 Things To Explore With Car Insurance In Rochester

Posted on by AgentInsure

Rochester, MN has a lot to offer residents and tourists alike. The 55901 zip code is part of the Minneapolis-St Paul metropolitan area. The main employer is the Mayo Clinic, providing a number of jobs. It is also what brings in a significant amount of visitors every year. Attractions include a symphony, various museums, as well as a large parks system.

When you are driving around the Rochester area, you have to consider whether your car insurance is offering adequate protection. Anything can happen to your car, on the road and off, and the insurance company can pay for most of it if you have the right level of coverage.

When you purchase car insurance, there are 5 things to explore.

1. Liability Levels

Your insurance policy will need to meet minimum state requirements in MN. However, you have the option of increasing liability for personal injury and property damage so you have more financial protection in place.

2. Comprehensive Insurance

Comprehensive insurance covers all the things that could go wrong in 55901, even when you’re not behind the wheel. If you experience hail damage and it affects your clear coat, you could have it repaired when you have this form of coverage.

3. Rental Car Coverage

Having rental car coverage can be advantageous so you can have body work done, have your clear coat repaired or anything else – and have a rental car while the work is being done.

4. Other forms of Coverage

While you’re in Rochester, you have to consider other coverage options as well. This includes uninsured motorist and other ways of protecting your car, truck, or SUV.

5. Costs

The cost of car insurance can be affordable, even with a high level of coverage. You will simply need to get comparisons from multiple companies.

Learn more about car insurance today by calling and talking to one of our agents!