Best Local Car Insurance Agencies in Rochester

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Does a standard auto insurance policy in Rochester cover classic cars?

  No, because classic cars are unique, they require specialized insurance. A classic car insurance policy is tailored to the car's actual collectible value. A classic car insurance policy in Rochester will typically include agreed-value coverage and spare parts coverage. It may also include flatbed towing coverage, personal effects coverage, emergency travel expenses coverage, and inflation guard coverage options.

• Is car insurance mandatory for drivers in Rochester?

  Yes, all Rochester drivers should have car insurance. To be able to drive legally in Minnesota, a person's insurance policy must include at least $20,000 in medical coverage and $20,000 in lost income; $10,000 in property damage liability per accident; $30,000 in bodily injury liability per person and $60,000 in an accident; and $25,000 in uninsured motorist coverage.

• Can you add a teenager to your car insurance plan in Rochester?

  Rochester insurance companies have different rates and policies. When it comes to adding teenagers to a car insurance policy, some companies will cover them while they have their learner's permit or until they get their driver's license. However, insurance companies will not cover teenage drivers who will be driving goods or services, as this will necessitate a special commercial policy. It's best to consult with an agent about whether your adolescent child should be added to your existing policy or if they should have their own policy.

• What happens if you have been hit by an uninsured driver in Rochester?

  Minnesota is a no-fault state, which means that if an uninsured driver hits you in Rochester, the damages will be covered by your own auto insurance policy. All Minnesota auto insurance policies must include no-fault coverage, also known as personal injury protection (PIP). In addition to PIP benefits, you can file an Underinsured Motorist (UM) claim with your own car insurance company for additional medical expenses or lost income. You can also sue the uninsured driver in some rare cases, but this is a difficult option.

• What are the penalties for driving without insurance in Rochester?

  Driving without insurance is considered a misdemeanor in Rochester. If caught, you may be required to pay a fine of up to $1,000 and spend up to 90 days in jail. Additionally, you may risk having your license suspended. Plus, you will need to spend money just so you can reinstate your license.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.