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Best Local Car Insurance Agencies in Saint Paul

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Abbott Insurance logo
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License Verified:

License: 20057088

The Minnesota Department Of Commerce Licensing Unit

Abbott Insurance

1595 Selby Ave., St. Paul, MN 55104
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  • Multiple Carriers

Business Description

Abbott Insurance is a family-owned agency that caters to individuals, families, and businesses in the Saint Paul metro and the surrounding areas. It offers auto insurance policies, which protect drivers should they get involved in accidents and traffic violations. It also helps clients acquire condo, homeowners', renters', and recreational vehicle insurance plans. Abbott Insurance has been operating since 1967. It represents various companies, including Foremost Insurance Group, MetLife, Safeco Insurance, State Auto Insurance Companies, The Hartford, and Travelers.

License Verified:

License: 20057088

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carney Insurance Services logo
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Carney Insurance Services

944 Lake St S, Forest Lake, MN 55025
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Business Description

Founded in 2011, Carney Insurance Services is an auto insurance specialist based in Forest Lake, Minnesota. It serves motorists in Forest Lake, Saint Paul, and the surrounding areas. Founder Tom Carney has more than 25 years of experience in the insurance industry and serves a range of clients, including young and more experienced drivers, as well as policyholders with multiple cars. The company offers personalized rates to those who use telemetry devices on their vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Chris Budzius logo
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License Verified:

License: 20261734

The Minnesota Department Of Commerce Licensing Unit

Chris Budzius

2175 Saint Clair Avenue, Saint Paul, MN 55105
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  • Bundling Option

Business Description

Chris Budzius is a State Farm agent serving the Saint Paul area. He and his team assist car owners and recommend coverage options for their insurance needs. They provide other risk management products, such as boat, motorcycle, health, life, homeowners’, and renters’ insurance policies. In addition to personal lines, they offer commercial plans for small business owners. Budzius carries over 27 years of industry experience. He is involved in local community initiatives, including serving as a board member in the Payne-Phalen Planning Council.

License Verified:

License: 20261734

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cludy Family Insurance Agency logo
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Cludy Family Insurance Agency

700 Commerce Dr Ste 160, Woodbury, MN 55125
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Business Description

Cludy Family Insurance Agency, located in Woodbury, Minnesota, has worked with various insurance companies since 2010 to provide policy options to Minnesota and Wisconsin. Automotive insurance policies protect against theft or damage to vehicles such as cars, mobile homes, trailers, motorcycles, ATVs, and snowmobiles. Liability and medical coverage plans are available, and multiple vehicles can be covered on the same policy. The company also provides homeowners, life, disability, and business insurance solutions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Eagle Point Insurance Group, Inc. logo
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License Verified:

License: 40290913

The Minnesota Department Of Commerce Licensing Unit

Eagle Point Insurance Group, Inc.

8665 Eagle Point Boulevard, Lake Elmo, MN 55042
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  • Home & Auto Insurance
  • Home Insurance

Business Description

Eagle Point Insurance Group, Inc., is a team of risk management specialists that offers a range of products, including car insurance. The company services clients in Saint Paul. They offer auto insurance plans that may include collision, comprehensive, road emergency service, and liability coverage. Their agents have access to policies from a number of carriers such as Hagerty, Auto-Owners Insurance, Progressive, and Travelers, allowing them to provide clients with insurance options. Eagle Point Insurance Group, Inc.,'s team carries over 125 years of collective industry experience.

License Verified:

License: 40290913

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Farmers Union Agency logo
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License Verified:

License: 20328760

The Minnesota Department Of Commerce Licensing Unit

Farmers Union Agency

305 Roselawn Avenue E. Suite 100, St. Paul, MN 55117
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Business Description

Farmers Union Agency provides auto insurance products to clients in Saint Paul and the nearby areas. Its agents take the time to know their clients’ needs and distinct situations, to better advise them on the coverage to best protect their vehicle. The company offers insurance for standard autos, as well as RVs, campers, four-wheelers, and motorcycles. Farmers Union Agency, which began operations in 1947, maintains 38 offices across Minnesota. It also offers other insurance products, including life, health, home, farm, and business policies.

License Verified:

License: 20328760

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kim Nybo logo
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License Verified:

License: 13058

The Minnesota Department of Commerce Licensing Unit

Kim Nybo

2724 University Avenue Southeast, Minneapolis, MN 55414
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  • Bundling Option

Business Description

Kim Nybo is an insurance agent of State Farm serving Saint Paul and nearby areas. In her 30 years of industry experience, Kim has learned that reliability is what clients look for in an agent. She is passionate about helping her community through the simplified auto insurance coverage that she presents. Her team is bilingual, with Somali as a second language, to ensure client understanding and inclusivity. Kim worked in a nursing home administration in the 1980s.

License Verified:

License: 13058

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (9)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Krog Insurance St. Paul logo
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License Verified:

License: 20483296

The Minnesota Department Of Commerce Licensing Unit

Krog Insurance St. Paul

637 Snelling Ave N, Saint Paul, MN 55104
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  • Motorcyle & ATV

Business Description

Krog Insurance has been serving individuals, families, and businesses in Saint Paul and the rest of Minnesota since 1986. The company offers car insurance policies that include bodily injury and property damage liability, uninsured and underinsured motorist coverage, roadside assistance and towing, collision and comprehensive damage, and personal injury protection. Insurance for ATVs and UTVs, motorcycles, and snowmobiles are also available. The company works with carriers like Dairyland Auto, Main Street America Insurance, State Auto Insurance Companies, and American Modern.

License Verified:

License: 20483296

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lancette Agency, LLC logo
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Lancette Agency, LLC

1322 Helmo Ave N, Saint Paul, MN 55128
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Business Description

Lancette Agency is an independently owned auto insurance agency that has been serving the residents of Saint Paul, Minnesota, for more than 30 years. The company maintains relationships with more than 5 insurance carriers and providers, including AAA and Dairyland, to offer its clients options for their coverage. It sells insurance for traditional and classic collection cars, and it covers damage to the car due to an accident or natural disaster, as well as the medical bills of those involved.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (34)
Facebook
4.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McGarry-Kearney Agency logo
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McGarry-Kearney Agency

450 Main St N, Stillwater, MN 55082
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Business Description

Founded in 1901, McGarry-Kearney Agency is an independent insurance company located in the Saint Paul, Minnesota, metro area. Auto coverage specialists work with a select group of carefully screened insurance carriers that include Auto-Owners Insurance, West Bend, Progressive, Safeco Insurance, and state Auto, to find the ideal policy for drivers at a competitive rate. Coverage options include liability, collision and comprehensive, and policy additions to cover road trouble service and lease and loan gap insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Meyer-Peltier Agency All County Agency logo
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License Verified:

License: 40785008

The Minnesota Department Of Commerce Licensing Unit

Meyer-Peltier Agency All County Agency

1549 Livingston Ave #102, St. Paul, MN 55075
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  • Motorcyle & ATV

Business Description

Meyer-Peltier Agency All County Agency is a business that serves individuals, families, and companies in Saint Paul and its nearby areas. The family-owned and family-operated company was founded in 1974. It is an independent agency that provides insurance for standard, specialty, high-value, and classic cars. It also has coverage options for motorcycles and boats. Meyer-Peltier has expertise in life, disability, and long-term care insurance programs. It also handles homeowner and renter insurance policies.

License Verified:

License: 40785008

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (8)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pathway Insurance Group logo
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License Verified:

License: 40371806

The Minnesota Department Of Commerce Licensing Unit

Pathway Insurance Group

11240 Stillwater Blvd. North, Lake Elmo, MN 55042
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  • Bundling Option

Business Description

Pathway Insurance Group is an independent firm that serves individuals, families, and businesses in the Saint Paul metro and the surrounding areas. It assists new drivers with shopping for car insurance policies, helping them protect themselves while on the road. Also included in its line of products are health, life, professional liability, recreational vehicle, and workers' compensation insurance plans. The agency is partnered with various carriers, like AIG, Foresters Financial, and Transamerica. Patrick Schuna, the owner, has been working in the insurance industry since 1977.

License Verified:

License: 40371806

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Paula L. Yang Agency Insurance logo
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License Verified:

License: 20237997

The Minnesota Department Of Commerce Licensing Unit

Paula L. Yang Agency Insurance

1050 Arkwright St Ste 1, St Paul, MN 55130
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  • Multiple Carriers

Business Description

Paula L. Yang Agency Insurance serves Saint Paul individuals and families. Its auto insurance products can be customized to adapt to the customers’ specific needs. Its liability coverage pays for injuries, damage to properties, and costs related to attorneys and courts. Its comprehensive coverage repairs or replaces cars damaged due to vandalism, theft, fire, acts of nature, or hitting an animal. Its collision coverage pays for damage to the customers’ vehicles due to accidents. The company also offers roadside assistance and other vehicle insurance products.

License Verified:

License: 20237997

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Facebook
4.9 / 5 (214)
Google
3.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Preferred Insurance Services Inc logo
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Preferred Insurance Services Inc

1306 County Road F W, Arden Hills, MN 55112
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Business Description

Preferred Insurance Services Inc. is a local agency employing a team of agents performing auto insurance services for clients located within the Saint Paul, Minnesota, metro area. Liability, collision, and comprehensive coverage are the primary areas of insurance it handles as they are typically mandated by law, but clients also receive guidance concerning additional coverage areas. Preferred Insurance Services Inc. believes that being a locally operated business imbues it with a unique understanding of the community and the needs of clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (96)
Facebook
4.8 / 5 (69)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reliable Insurance Network logo
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License Verified:

License: 40240786

The Minnesota Department Of Commerce Licensing Unit

Reliable Insurance Network

161 Marie Ave E, W, West St Paul, MN 55118
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  • Bundling Option

Business Description

Reliable Insurance Network serves the financial security needs of Saint Paul residents and the surrounding communities of Minnesota, Wisconsin, and Arizona. It offers auto insurance through carriers like Safeco, Foremost, Progressive, and Travelers. The full-service agency's other products include homeowners', life, and business insurance. Steve Sarantos founded the company in 1996. Having worked in various industries for over 20 years, he has developed skills in building customer relationships. He focuses on staying flexible and meeting clients' needs by using technology.

License Verified:

License: 40240786

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (53)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rising Star Insurance Brokers logo
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License Verified:

License: 20545392

The Minnesota Department Of Commerce Licensing Unit

Rising Star Insurance Brokers

2079 County Road D East Suite A, Maplewood, MN 55109
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  • Multiple Carriers

Business Description

Rising Star Insurance Brokers is a locally owned and operated independent agency that serves the residents of Saint Paul and the surrounding areas. It provides auto insurance policies, with coverage options such as liability, no-fault, and uninsured or underinsured motorist. It also offers insurance policies for trucks, motorcycles, RVs, classic cars, and boats. Other insurance products that it offers include homeowners', life, and umbrella insurance. The agency has been in operation for more than a decade.

License Verified:

License: 20545392

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
River City Insurance Agency, Inc logo
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River City Insurance Agency, Inc

2416 E 117th St, Burnsville, MN 55337
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Business Description

We are a multi-line, full service insurance agency with 30+ years of combined insurance experience. We work with over 25 insurance companies to provide you with the most options of price and protection on the market. Our emphasis is on customer service and we promise to do exactly what you need an insurance agency to do for you, find you the best coverages at a competitive price and once you are a customer, to advocate for you as a policy holder. Our promise to you does not stop once the policies are written; we are here for every question that arises regarding your insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Steve Stremski logo
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License Verified:

License: 34881

The Minnesota Department Of Commerce Licensing Unit

Steve Stremski

1560 Livingston Ave Suite 101, West St Paul, MN 55118
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  • Multiple Carriers

Business Description

Steve Stremski is a second-generation insurance agent representing State Farm Insurance in the St. Paul metro. He offers personal and commercial insurance lines and is a Charted Life Underwriter (CLU). Some of the policies he writes include term life, variable life, and whole life insurance that cover accidents and final expenses. The policies also protect against expenses caused by unpaid mortgages, short-term debts, and child-rearing. Steve is also a board member of the Dakota County Historical Society

License Verified:

License: 34881

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Turitto Insurance Agency logo
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License Verified:

License: 20433137

The Minnesota Department Of Commerce Licensing Unit

Turitto Insurance Agency

1349 S. Robert St, West St. Paul, MN 55118
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  • Multiple Carriers

Business Description

Turitto Insurance Agency is a Saint Paul-based company that provides car insurance policies to clients in and around the metros. The full-service and independent business caters to individuals, families, and businesses and assists them in finding the proper coverage that suits their budget and demands. In addition to car insurance, it offers a variety of coverage options that include homes, small businesses, campers, boats, ATVs, and motorcycles. The owner, Ron Turitto, has partnered with Kemper, Nationwide, The Hartford, and Selective for clients' business insurance needs.

License Verified:

License: 20433137

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Zignego Agency, Inc. logo
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Zignego Agency, Inc.

3880 Laverne Ave N, Lake Elmo, MN 55042
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Business Description

Zignego Agency Inc. is located in Lake Elmo, Minnesota, and has been serving drivers in St. Paul and the Twin Cities Metropolitan Area for more than four decades. The company has a wide variety of auto insurance options, including collision, comprehensive, liability, road trouble service, and lease/loan gap coverage. The company also insures high-risk drivers, including those with prior DUI/DWI charges. Zignego Agency Inc. works with a wide range of nationally-known insurance carriers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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.

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.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

Read all FAQs