Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Minnesota driving has its own risk profile. Deer collisions spike every fall along the Highway 55 and 169 corridors, winter puts everyone on ice for four months, and a serious at-fault accident can reach past a low liability limit and into your savings. Todd builds auto policies around those realities: liability limits sized to what you actually have to protect, comprehensive coverage for the deer strike and the hail-dented hood, and honest conversations about collision deductibles on older vehicles. Adding a teenage driver, a classic car, or a spouse's commute change is a phone call, not a phone tree.
What's Included
- Liability limits matched to your assets
- Comprehensive coverage for deer and hail
- Multi-vehicle and home-auto packaging
- Straightforward guidance on new drivers
Personal Auto Insurance Service Areas
We provide personal auto insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Does insurance cover hitting a deer?
Hitting a deer is a comprehensive claim, not collision, which matters because comprehensive claims are generally treated more favorably at renewal. If you drive Wright County roads at dusk in November, comprehensive coverage is worth a serious look.
How much liability coverage do I need?
State minimums are a floor, not a recommendation. If you own a home, have savings, or run a business, a judgment from a serious accident can reach those assets. Todd typically walks through your full picture and often pairs higher auto limits with an umbrella policy.
Will adding my teenager make my rates explode?
A new driver does change the picture, but there are legitimate ways to manage it: driver training credits, good student discounts, and thoughtful vehicle assignment. Todd lays out the options carrier by carrier so you choose with full information.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →