Before Minnesota’s first major snowfall, November is a good time to prepare your home and vehicles for colder weather. Our office helps customers review Auto, Home, Renters, Life, Business, Boat, Motorcycle, RV, and other coverage. If you have completed a home renovation, installed a new roof, purchased equipment, added a driver, changed vehicles, or moved a recreational vehicle into storage, contact us for a review. ❄️🏠🚙
I have served So St Paul and the surrounding area for 32 years and have loved being a small business owner and helping others in the area. My team members Melodie, Natalie, and Thomas and I pride ourselves on making auto and homeowners insurance fun and simple while providing excellent service. Together we have over 55 years of combined insurance experience!
Our State Farm Insurance team is here to help local drivers find coverage that fits their vehicle, lifestyle, and budget. Whether you're in the market for a new or used car, are commuting to work in the Twin Cities area, or are considering switching insurance providers, we're here to help make auto insurance simple and personalized. We serve drivers in So St Paul, Inver Grove Heights, St. Paul, and Minneapolis and the entirety of the great State of Minnesota. Let's chat today to help you maximize your discounts and savings! Auto Insurance can have a lot of moving parts! Our team is here to guide you every step of the way. We often get questions like:
Commonly asked auto insurance questions in Inver Grove Heights, MN
What is covered with collision coverage?
Collision coverage helps pay to repair or replace your insured vehicle after a covered collision with another vehicle or object, or a rollover. Your selected deductible generally applies. For example, it may help if you hit a guardrail or back into a parked car. Injuries and damage you cause to someone else's property fall under separate coverages.
Does my car insurance include glass coverage?
Glass coverage depends on your selected coverages and how the damage occurred. Comprehensive coverage generally covers windshield or window damage from events such as a flying rock or vandalism, while collision-related glass damage may fall under collision coverage. Minnesota requires insurers offering comprehensive coverage to offer an option for damaged safety glass repair or replacement without a deductible. Our Inver Grove Heights State Farm Insurance Team can confirm whether you selected that option and explain your coverage.
How much liability coverage do I have?
Your auto insurance declarations page lists your bodily injury and property damage liability limits. These coverages help pay for covered injuries or property damage you cause to others. Minnesota’s minimum liability limits are $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 per accident for property damage, often written as 30/60/10. Your selected limits may be higher. Minnesota also requires separate personal injury protection and uninsured/under-insured motorist coverages. Our Inver Grove Heights State Farm Insurance Team can help you locate your limits and discuss whether they fit your needs.
Does my auto insurance include rental car coverage and towing?
Rental reimbursement and Emergency Road Service are separate, optional coverages, so you shouldn’t assume your policy includes them. Rental reimbursement may help pay for temporary transportation when your insured vehicle is unavailable because of a covered comprehensive or collision loss, subject to daily and per-loss limits. Emergency Road Service may help pay for covered towing and roadside assistance when your vehicle becomes disabled. Our Inver Grove Heights State Farm Insurance Team can confirm whether you have either coverage and explain the applicable limits.
There is no asset more valuable than your home! Protecting your home starts with the right coverage. Our South St. Paul State Farm team is here to help our Good Neighbors understand the protection for their home, their deductibles, liability, and any other questions you may have. Whether this is your first home or your forever home, we're here to assist you with Homeowners' Insurance through State Farm. We love saving money for our customers! Talk to us today about how you can bundle your Auto Insurance and Homeowners' Insurance to save.
I am blessed to be married to Cathy for 34 years and have 4 great adult children. I enjoy going to the lake, sailing, being a Lions Club member, and traveling.
