Three problems you can avoid if you update your auto insurance policy

Motorists shouldn’t assume they’ll never need to change their insurance policy. If you own a vehicle in Plymouth, MN, your insurance needs may vary, so you should update your policy. We can help update your auto insurance coverage at Anchor Insurance Agency LLP.

The following are three problems you can avoid if you update your auto insurance policy. 

Not getting needed coverage when you have to file a claim

If you don’t have collision and comprehensive coverage on your current policy, you should consider updating your policy and adding these coverage types. Otherwise, you may not be covered for accident damages to your own vehicle. You also won’t be covered if your car is damaged by fire if you don’t have comprehensive coverage. 

Paying a deductible that strains your finances

Updating your policy to lower your deductible cost may be a good idea. If your deductible amount is high, you might struggle to pay it if you end up in an accident and have to file a claim. 

Although a lower deductible amount might mean higher premiums, switching to a lower deductible will pay off if you get into an accident. 

Having maximum coverage amounts that are too low

If you only have minimum coverage on your policy, you might want to increase your maximum coverage amounts for more financial security. You might end up in debt if you have low maximum coverage amounts and get involved in an especially costly accident. 

At Anchor Insurance Agency LLP, we insure motorists in Plymouth, MN. Call us to get a quote on an insurance policy. 

I Don’t Own A car. Do I Need Auto Insurance?

If you do not own a car and don’t intend to buy one anytime soon, you must obtain non-owners insurance. Auto insurance rates vary from one company to another and are based on the coverage you decide on. If facing challenges in Plymouth, MN, talk to Anchor Insurance Agency LLP.

What to Know About the Ordinary and Non-owner Insurance 

There are multiple types of insurance, and which one is right for you will depend on your specific circumstances. Some policies will cover things like driving under the influence, but not others. 

Most insurance companies will cover car repairs if they are made with your insurance company’s services. If you have current or recent car insurance, you will also likely have coverage for theft (and possibly damage to your car). 

If you are involved in a crash, you may want to consider owning a car liability insurance policy. Many car insurance companies will cover car damage from a crash if the insurance company can prove that you were responsible. In most cases, the insurance company will be responsible for any costs incurred with the slip or fall. 

If you have a car that is not insured, you will most likely have to pay for the insurance, but it will come out of your pocket. Many online car insurance providers offer this service, which can be a great way to get this done. 

End Words 

The state requires that you have liability coverage for your car, even if it’s not in use. The rental company will ask for proof of insurance if you rent a car. Ensure you get the minimum amount of coverage to avoid being charged extra fees. Contact Anchor Insurance Agency LLP in Plymouth, MN if you’re searching for advice.

Is auto insurance always necessary in Minnesota?

Anyone that is in the Plymouth, MN area would likely benefit greatly from owning a car. When you do own a car in this area of the state, it will make it much easier for you to get around town and complete your daily tasks. When you are looking to purchase a car, you also need to get a quality auto insurance policy. There are several reasons why having auto insurance in Minnesota is always necessary.

Required by State Law

One reason why auto insurance is a requirement in Minnesota is that it is required by state law. Whenever you drive a car, there is always a small chance that you could cause an accident. When this happens, it will be up to you to pay for damages. In the state of Minnesota, drivers are required to carry auto insurance as it will ensure they are able to pay for these damages. Those without insurance will face penalization.

Required by Auto Lenders

Another reason to get auto insurance in Minnesota is that it will be required by any auto loan provider. Most people that purchase a car in the Plymouth, MN area will take out a loan to finance the purchase. To ensure that you are able to repay the loan following an accident, most auto lenders will require that you have a full auto insurance policy at all times.

Ultimately, getting auto insurance is a good idea for anyone and is almost always a necessity for drivers in Minnesota. When you are looking for a new policy, you should call the team at Anchor Insurance Agency LLP. The insurance team at Anchor Insurance Agency LLP can help you to find an auto insurance policy that will provide you with the right type and level of coverage. 

Our Cars Keeps Us Safe but Who Protects Them?

There are almost as many automobile insurance coverage options as there are reasons to buy insurance. There are practical reasons, such as millions of other drivers on the road and that isn’t counting those outsides of Plymouth, MN. There are legal reasons such as states have legal minimum insurance requirements and there are personal reasons.

Getting the Right Insurance

Is this your first car from high school and it has sentimental value? Is this a new sports car (and let’s be honest, it wasn’t cheap was it?) or a work vehicle that logs hundreds of miles per week? There are many reasons to purchase automobile insurance but not every insurance policy is the right one for you.

Choosing items like deductible amounts or coverage options will go a long way in getting the right policy for you and Anchor Insurance Agency LLP can help. If you are currently shopping for car insurance or want to compare rates, check out our online rating tool.

Protecting You and Your Ride

You don’t want to be driving along when suddenly, by no fault of your own, you are hit by another vehicle. "Where did they come from? Is my vehicle alright? Who’s at fault and how much is this going to cost me?" This situation and these questions are hard enough if you have coverage, and if you don’t…

There are many reasons to get car insurance and there is a policy that is just right for you. Let Anchor Insurance Agency LLP help you get the right insurance for you, your vehicle and your situation. If you live in or around the Plymouth, MN area, stop by or call one of our friendly agents today to get started.

Does Health Insurance Pay for Auto Accident Injuries?

According to a recent study, 2,652 car accidents in Centralia IL result in injuries.   The aftermath can be filled with details and a lot of things to sort out.  Knowing what policy will pay for injuries is one thing that you might have to figure out.  Alcorn Insurance Agency knows that the answers may not always be clear so they want to help you sort through the details if this is your reality.

Who Pays?

Like other states, Illinois uses the “at fault” rule when it comes to auto injuries.  This means that the party at fault will pay for any injuries that other drivers who have involved a deal with. Injuries from parties not at fault are usually covered under a person’s liability insurance.  If the at-fault party is injured their Personal Injury Protection will cover it if that is included in the policy.  Injuries incurred in single car collisions may also be paid under a person’s PIP.  

What Policy Pays?

Typically, a person’s auto insurance will act as the primary insurance policy when dealing with auto injuries.  Personal Injury Protection will usually cover most if not all medical expenses depending on the amount the plan covers for.  If PIP is exhausted, the claim would theoretically go to the secondary insurance.  In this case, your health policy will act as the secondary.  This may not be true in every case so it is always the best practice to read the fine print of your policies.  Many times, an insurance company will not pay until the claim is settled, but there are other options to deal with outstanding bills.

When people in Centralia, IL are involved in auto accidents they have a lot on their plate so if they still have questions they can always call or email Alcorn Insurance agency.


The Coverage of a Typical Comprehensive Auto Policy

When you begin searching for auto insurance, you’ll find that there are many options for today’s drivers.  Most will opt for a coverage package that includes three distinct but complementary pieces.  Now that almost every state requires liability coverage, consumers have come to understand that these policies only cover the other person’s damages and injuries if there is a wreck where they are deemed to be at fault.  In the same vein, collision policies seem pretty straightforward.  If your car is damaged in a wreck, you can quickly pay to have it repaired. So, what does a comprehensive auto policy actually cover and how does it differ from a collision policy? The team at Anchor Insurance Agency LLP work with residents in the Plymouth, MN area to understand the industry lingo and get the best coverage for their needs.

To put it simply, collision policies typically cover events where there is a crash, either between two cars or into stationary objects such as light poles or ditches. Comprehensive auto policies cover events that are considered an ‘act of God’. These incidents can range from natural disasters and civil unrest to vandalism and theft.  They will also cover damage from terrorism, falling objects, and collision with animals. 

These policies cover a wide range of events that can occur with a vehicle. The team at Anchor Insurance Agency LLP want you to have the right insurance policies the meet the needs of your lifestyle. They work with residents and businesses throughout the Plymouth, MN region. They can help you, too. Visit their website then schedule an appointment with one of their knowledgeable agents.  With the right insurance coverage, you’ll always know that you are fully protected should an accident or unthinkable event happen. Call today!

Driving Without Auto Insurance Is Dangerous Indeed

Minnesotans are pretty smart indeed, however, even some of the residents of this great state fail to follow all the rules. Yes, some of the drivers in Plymouth MN and the surrounding areas get on the road without their automobile insurance at times. Here are some of the reasons people take the risk of driving without insurance: 

  • a need to get to work
  • not enough funds to acquire insurance
  • legal issues that would prevent the acquisition of insurance
  • a need to get to another important entity, such as medical treatment

No matter what the reason you have been driving around without car insurance, make this the day that you stop. The need for car insurance has not been mandated as a punitive gesture toward drivers and their carefree lifestyle.

The most urgent need for car insurance in a civil society is because people are involved in car accidents every day. These calamities are not foreseen. They just happen. When people who are involved in car accidents cannot go to work, they need to be financially supported:

  • Cars need to be replaced
  • Limbs need to be reconstructed
  • Lives need to be sustained

All of the above takes money to accomplish. If it were not for car insurance that money would have to be supplied from the government – the taxpayers – you. Is it your fault that a driver was distracted and collided with another vehicle when you were home resting peacefully in your bed? Of course, it isn’t your fault. So why should you have to pay for the accident?

The staffers and agents at Anchor Insurance Agency LLP provide the anchor of insurance to hold you in your place despite what may happen on the road. Call today to find out how to acquire great automobile insurance today at 763-473-4090. 


Should You Add Your Teen Driver to Your Policy Before or After They Get Their License

For those that have teen drivers, it is difficult to know if you should add them to your policy before or after they get their license. There is no simple answer to the question however, and it should be taken on a case by case basis. Drivers that live in or near Plymouth, MN can talk with agents from Anchor Insurance Agency LLP for more information.

Taking this question in a case by case method is the best approach. For some states, it might be required that you insure your teen driver when they only have permits, in other areas, it might not be required. A good rule of thumb is to consider how much your permit driver will be behind the wheel before getting their license. In some states, graduated licensing laws require that the permit holder logs a specific amount of hours before their being given the license.

In these cases, it might be beneficial to add a permit driver to your policy. Unless your permit driver is going to add hundreds of dollars in premiums each month, it is generally going to be a good idea to add them to your policy. Another factor to keep in mind is that in most cases, you are not going to be able to get your license unless you can prove you are insured so you may want to add your driver before getting their license.

For those that are over 21 and are insured, your permit driver is likely to be covered, even if they are not named if they are driving with you in the car and you are insured. If you are in the Plymouth, MN area, the agents with Anchor Insurance Agency LLP can help.