Woman behind the wheel of a car

Car Insurance

Get help finding quality car insurance

Get car insurance quotes fast and free from up to 25 insurance companies. We comparison shop to help you find great coverage, personalized to your needs, without overpaying. And if your needs change in the future, we can help you find a new insurance company that better aligns with your changing lifestyle. Serving MN, IA, & WI from our office in Rochester, MN. Request quotes or contact us to get started.

Person driving a car viewed from the interior of the vehicle

What is auto insurance?

Auto insurance (or car insurance) helps protect the community from accidents caused by vehicles. Car accidents can cause a lot of property damage and result in large medical bills. Most states, including Minnesota, require a minimum level of insurance in order to drive legally on public roads.

Coverage required by law includes auto liability, which provides a specified amount of money to cover property damage and bodily injury you cause to another party. In MN, personal injury protection (PIP), underinsured liability, and uninsured liability are also required. PIP provides coverage for medical expenses and lost wages without regard to who is at fault. UM/UIM provides you bodily injury coverage when the at-fault driver has too little or no insurance.

There are many additional coverage options available that are not required by law but may be needed for other reasons. If you have an auto loan, for example, the lender usually requires comprehensive and collision coverage. Together, these coverages help ensure the loan is paid off if the vehicle is destroyed.

If you’d like to learn more about the basics of auto insurance, contact us, or check out info from the Insurance Information Institute.

How to find great car insurance rates

1. Figure out what coverage you need

It’s important to know what you’re looking for before getting quotes. Some companies will undercut price by removing valuable coverage. If you aren’t sure what coverage you need, we’ll help you out!

2. Get quotes from a bunch of insurance companies

Insurance companies target different customers based on a variety of factors, including age, driving history, location, and much more. It’s difficult to know which companies will offer the best rates, so you just need to get quotes from a lot of them. Fortunately, we take care of the comparison shopping for you!

Car Insurance Coverage

There are many coverage options available. Some are required by law, while others are voluntary. Below are some common coverages but this is not an exhaustive list. Upon learning more about your situation, we can suggest coverages that might be a good fit.

Auto liability

Covers bodily injury and property damage you cause to another party.


Covers damage to your vehicle caused by a collision with another vehicle or object.


Covers damage to your vehicle caused by an incident other than a collision.

Gap coverage

Covers the difference between the actual cash value of your vehicle and the balance of the loan, if your vehicle is totaled.


Provides you bodily injury coverage when you’re in an accident with a driver that has too little or no insurance.

Personal injury protection

Covers your medical expenses and lost wages caused by an auto accident, regardless of who was at fault.

Roadside assistance

Provides towing, fuel delivery, and other roadside services.

Rental reimbursement

Covers the cost of a rental vehicle while yours is being repaired from a covered loss.

Insurance Companies

We strive to work with highly rated insurance companies in order to provide our clients with quality coverage at a great price. Below is a partial list of companies we offer. We are constantly exploring new partnerships and adding additional options, so check back often to see our updated list of carrier partners.

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We compare rates to help you find quality coverage at a great price.