Auto Insurance
Liability, collision, comprehensive and uninsured motorist cover for every car in the household — plus the discounts most drivers never claim.
$612/yr
Average saving after re-shopping
20+
Carriers compared
23
Discounts we screen for
24/7
Claims helpline
Cover that fits your life, explained properly
Auto insurance is compulsory in almost every state, which means most people buy it, forget it, and keep paying the same price for years while their risk profile quietly improves. Loyalty is rarely rewarded in car insurance. Drivers who re-shop every two years save an average of $600 a year for identical cover, simply because carriers re-price new business far more aggressively than they re-price renewals.
We run your vehicles, drivers and driving records across our carrier network and come back with three things: the cheapest acceptable option, the best-value option, and the option we would put on our own family's cars. Then we explain the difference in plain terms — because a $40 monthly saving that drops your liability limits to state minimums can cost you your savings account after one at-fault accident.
Getting the limits right matters more than getting the premium low. If you own a home, have a retirement account or a teenage driver, state-minimum liability is not protection — it is a formality. We typically recommend 100/300/100 liability with an umbrella policy above it, and we show you exactly what that costs against what it protects.
What your auto policy covers
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
Bodily injury liability
Pays for injuries you cause to other people, plus your legal defence if you are sued. Split limits such as 100/300 mean $100,000 per person and $300,000 per accident.
Property damage liability
Covers the other driver's vehicle, fences, buildings and anything else you damage — including expensive cars, where a $25,000 limit disappears fast.
Collision
Repairs or replaces your own vehicle after a crash with another car or object, regardless of fault, subject to your deductible.
Comprehensive
Theft, vandalism, hail, fire, falling objects, glass and animal strikes. Hail alone accounts for a huge share of Minnesota claims.
Uninsured / underinsured motorist
Pays your medical bills and vehicle damage when the other driver has no insurance or not enough — around one in eight US drivers is uninsured.
Medical payments / PIP
No-fault medical cover for you and your passengers, plus lost wages and essential services on personal injury protection plans.
Roadside assistance & towing
Flat battery, flat tyre, lockout, fuel delivery and towing, usually for a few dollars a month per vehicle.
Rental reimbursement
A hire car while yours is in the shop after a covered claim, typically $40–$60 per day for up to 30 days.
Not covered by a standard auto policy
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on auto insurance policies.
- Using your personal car for rideshare delivery or courier work without a rideshare endorsement.
- Regular commuting in a vehicle registered and insured for pleasure use only.
- Wear and tear, mechanical breakdown, rust, tyre damage from road hazards (unless comprehensive applies) and aftermarket modifications not declared to the insurer.
- Driving under the influence, driving without a valid licence, or using the vehicle in a race or speed test.
- Personal belongings stolen from inside the car — those fall under your home or renters policy contents cover.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your auto insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Three cover levels we usually quote
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
State Minimum
- 30/60/25 liability limits
- Uninsured motorist — bodily injury
- Roadside assistance
- Collision cover
- Comprehensive cover
- Rental reimbursement
- Adequate only for an old, owned-outright car
Family Standard
- 100/300/100 liability limits
- Uninsured & underinsured motorist
- Collision with $500 deductible
- Comprehensive with $250 glass deductible
- Roadside assistance & towing
- Rental reimbursement $45/day
- Multi-car and multi-policy discounts applied
Premium + Umbrella
- 250/500/100 liability limits
- $1M personal umbrella policy included
- Collision with $250 deductible, vanishing option
- Full glass with zero deductible
- New-car replacement for 3 years
- OEM parts guaranteed
- Accident forgiveness for the household
Indicative monthly cost for a 38-year-old driver with a clean record, one mid-size SUV and one saloon in Minneapolis.
Auto Insurance FAQs
Straight answers to the things people ask us most about auto insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.