Motorcyclists in Wayzata feel compelled to hit the open road with their bikes. The power of the motorcycle coupled with the feeling of oneness with the motorcycle is exhilarating. If you are a motorcyclist, you know the feeling all too well and you long to experience it each and every day. However, before you turn the ignition, avoid driving when you are facing the following three circumstances.

Drinking at a Social Event
When the weather warms, most people like to be outdoors more. In fact, your friend’s barbeque is the perfect event to show off your new motorcycle. If you partake in spirits, driving your motorcycle is off limits. Drinking reduces your ability to respond and can lead to an accident. If you damage another person’s property and your motorcycle, you may take a hit on your liability and collision motorcycle insurance coverage. Be safe, and don’t drink and drive.

After an Argument
When it is hot outside, tempers can flare up easily. If you are involved in an argument, you should not drive. Your anger may make you more inclined to drive faster or reckless, which places you and everyone around you in danger. For instance, your anger may compel you to do something dangerous, like speeding, which could lead to a ticket. Ultimately, you risk your motorcycle insurance increasing when you drive angry.

Low Visibility
During the summer, moisture in the air may create a thick fog during the early mornings that limit your vision. When it is challenging to see ahead of you, it’s best to drive a car, which has brighter lights to improve your visibility. Additionally, you will have more protection in a vehicle compared to a motorcycle if you are in a collision. Don’t jeopardize your motorcycle insurance when it’s foggy out.

Add Umbrella Insurance for Added Protection
With the possibility of getting into an accident ever-present, purchasing umbrella insurance complements your motorcycle insurance. With umbrella insurance, you have additional liability coverage that may repair or replace another person’s property if the damage exceeds your liability limits on your motorcycle insurance policy. When you are ready to purchase umbrella insurance, contact us so that we can review your options.

Albertville, MN is a small town in Wright County with a population of only about 7,000 people. The major employer is that of an outlet mall and this means that many people will commute to some of the surrounding areas. Education is held as a top focus within the town and there are plenty of recreational things to do, particularly in the winter months.

When you shop for car insurance in the 55301 area, you want to work with the best agents because they can explain coverage levels as well as help you to get quotes. Some of the coverage options within MN include:

– Liability insurance

– Collision

– Comprehensive

– Uninsured motorist

– Rental coverage

All of these things have to be taken into consideration as they can affect the quotes and the premiums. You want the highest level of coverage possible so you are not out of pocket more than the deductible if involved in a car accident.

Further, you want to make sure you can get the car repaired when something happens, even if it didn’t happen when you were behind the wheel. This can involve rocks thrown at your car, hail damage, and more.

We have agents to help you with insurance in Albertville. Not only will we make sure you are meeting the minimum car insurance requirements for MN but also explain other coverage options. This way, if something happens to your car in the 55301 ZIP code or anywhere else, your coverage takes care of the issue so you don’t have to. All you will have to pay is the deductible.

When you are ready to learn more about insurance and how much it’s going to cost, call us. We have some of the best agents around to help with quotes and more.

It’s a situation that many teenagers who have their own car eventually face. A friend wants to drive your car; perhaps they want to go the Dakota Rail Trail or Wayzata Beach. They only have a learners permit, though. Will your insurance cover them while they drive your car around Wayzata, MN?

Most Policies Cover Permissive Users

Assuming you grant your friend permission to take your vehicle, they will be a “permissive user.” A permissive user is simply someone who you let use your car. They do have to be legally licensed to drive, which, in this case, means a licensed driver would also have to be in the car.

As long as your friend is driving legally, most auto insurance policies would cover them. Car insurance policies generally follow the car, so they would be covered under your policy and protected by its limits. The question thus is whether your policy covers permissive drivers, and the majority of standard policies do cover permissive drivers.

There are Some Outliers

Occasionally, however, a car insurance policy will exclude certain drivers. If a policy does exclude certain drivers, it may not cover anyone, except you, who is under 25 years of age. If this is the case, your friend would not be insured by your policy. Both your friend and you, as the vehicle's owner, would be personally responsible for any accident that your friend got into.

Most of the policies that exclude young drivers are for classic cars, but sometimes teenagers opt for such a policy to keep their premiums low. It is important to check your specific policy’s terms and exclusions.

Ask an Agent

To know for sure whether your friend would be protected, call one of our agents. One of our team members at Pizano Insurance can go over your policy with you to see how it would extend coverage in this situation. If it would exclude your friend, we could provide you with competitive quotes that do not have such an exclusion.

Minnesota is a beautiful state with a lot to offer anyone who lives or visits there. It is the home of the famous Mall of America, one of the largest indoor shopping malls in the world. Tons of local theaters, museums, orchestras, and art galleries line the streets of its cities and towns. People who are familiar with Laura Ingalls Wilder’s Little House on the Prairie book series will recognize Minnesota as the location for the third book in the series, On the Banks of Plum Creek (the book on which the Little House TV series was based). With lots of outdoor parks and stunning prairie scenery, Minnesota is a cultural treasure for the United States.

One thing about Minnesota that anyone who lives there knows well is that it gets very snowy in the winter. With the northernmost point of any of the 48 continental states in the nation, the people of Minnesota are used to cold, frigid temperatures, as well as ice and snow for many months during the year. This weather creates special driving conditions that even the most experienced winter drivers often find challenging. That is why it is so important to make sure your car is adequately covered to take care of any unforeseen traffic situations during these snowy months.

You may not have enough insurance coverage to pay for a replacement car or a liability lawsuit if you are involved in an accident in the snow. Talk to your local car insurance agent to make sure both you and your spouse are covered appropriately (especially if you only have one car). You can get an instant car insurance quote online with Pizano Insurance. When you get your quote, talk to an agent in person about your particular coverage needs. Your local agent knows Minnesota and can get you the best coverage at a reasonable price.

Classic Car Insurance: Hopkins, MN 55305

We love our classic car shows in Minnesota. When we’re not cruising down HWY 69 or around Park Valley a car show is where you would likely find us classic car enthusiasts. You’ve spent a lot of money and time on your car whether it is a vintage, classic/collectible or an antique you need the best insurance money can buy.

The Three Types of “Classic Cars”

Classic cars are also commonly called collector cars.

• Vintage – A car that is generally three of four decades old like a 1981 Ferrari-308
• Classic/Collectible – A classic car is usually from the late 50’s to the mid 60’s like a 1957 Chevy or 1966 Mustang
• Antique – An antique car is from the 20’s or 30’s like a Ford Model T or a Phantom II

Classic Car Insurance

The classic car insurance generally provides more protection than the car insurance you would purchase for your primary car. As the case often is classic cars may need parts that are rare and expensive. In addition, you probably only drive the care occasionally, so you may be able to get a better rate on your classic car insurance because it spends part of the year sitting in a garage.

Insurance Coverage for a Classic Car

Insuring a classic car is a bit more difficult than insuring a regular car, there are things you have to take into consideration such as the cost of parts and repair, the market value of the car may not be the same as the true value. These two things need to be discussed with the insurer and put into the policy before you pay for it.

Aside from those two things, classic car insurance is just like regular car insurance, except you would have complete collision in the event of an accident. You would also have a higher amount of property damage coverage and depending on the type of car perhaps a sports car you may want more bodily injury insurance coverage.

Make sure you get the best classic car insurance coverage you need, after all, vintage, classic/collectible, antique cars are special. Instead, easily compare quotes online with Pizano Insurance to find out what is available.

Throughout Plymouth, MN, you will find that there are all sorts of things to see and do. You not only have the metropolitan area of Minneapolis close by, but you have a growing population as well. When you’re out on the roads, you can experience all sorts of weather patterns throughout the year.

By paying attention to the kind of car insurance you have, you maintain peace of mind knowing that you and your car is protected. All sorts of coverage levels are available on your car in MN and this includes the state mandated liability insurance as well as:

– Hail damage

– Collision coverage

– Comprehensive coverage

– Much more

Something as simple as clear coat can be damaged from all sorts of things, including hail damage. When this happens, the paint itself is more vulnerable and this can lead to rust and a less than attractive appearance on your car. When exposed to the rain and snow of MN, this is the last thing you want to deal with.

We take the time to find you coverage you can count on. This way, if you are involved in an accident, experience hail damage, or anything else, you will be able to make a claim. With more coverage, you can avoid having your claim in Plymouth denied, which is the worst thing that could happen. We take the time to go over coverage levels with you and find a policy that is not only affordable but that will give you confidence while out on the roads.

Let us help you find car insurance in Plymouth that you can count on to ensure your clear coat and the rest of your car can be repaired after something has happened to it.

Start getting insurance quotes today!

Plymouth, MN is one of the larger cities in the state and has a growing population. It is one of the 15th largest metropolitan areas of the city, being so close to Minneapolis. There are always things to do, including visiting art galleries, the growing restaurant scene, and various community events that take place throughout the year.

Wind, snow, fog, and other weather patterns can make it difficult to stay safe on the roads of MN, which is why you want to work with our automobile insurance agents. We take the time to find you the best policy in the 55447 ZIP code and ensure that you have the coverage that’s desired.

You want to be covered in all instances, including if someone does a hit-and-run or if your car gets hit by a shopping cart in the parking lot. Don’t assume that your coverage is inclusive of it all because there are various options when it comes to buying car insurance in Plymouth.

Our automobile insurance agents in Plymouth, MN will talk to you about the liability requirements of the state as well as options, such as comprehensive and collision coverage. This will allow you to gain more peace of mind when you’re driving down the highway and parking in a local parking lot. Throughout the 55447 area and more, there are ways to reduce your premiums and we will help you to find all the discounts.

Comparing rates is critical and there could be subtle differences within the 55447 zip and others as well as how insurance companies look at a hit in a parking lot, speeding tickets, and more. We take the time to get multiple rates so you have some forms of comparison.

Contact our automobile insurance agents today for a free quote!

You already know that every driver in Buffalo, MN needs proper insurance to drive a vehicle. The question is, what do you need to do to make sure that you get the best possible coverage for your vehicle, at rates that will fit your budget?

This is not something that you want to leave to chance. Don’t settle for the first car insurance company you run across, for example, or resort to contacting a company based on a marketing campaign that may not have your best interests at heart.

You also don’t want to use a company just because a friend, family member or coworker has a policy with the firm and hasn’t had any complaints so far. You can’t expect a random approach to get you the optimal coverage at the most affordable rate.

Getting coverage for your first vehicle doesn’t need to be hassle. There is no need for you to become an instant expert on the nuances of auto insurance regulations, let alone to keep up with the different policies offered by various insurance companies. This is a job best left to certified auto insurance agents with years of experience.

For example, your independent agent will know about the various discounts that you might be eligible for, such as membership in a credit union or working in a profession that entitles you to a reduction in the cost of your policy. If you’re a student with a good grade point average or have recently graduated from college, you may be entitled to a discount as well.

Our knowledgeable and certified auto insurance agents have the experience to help you quickly sort through your options for coverage to get you the coverage that best meets your individual needs. For details or to start comparing insurance rate quotes, please feel free to contact your independent auto insurance agent today.

When you buy a new car in Saint Michael, MN, you may need to make changes to your car insurance policy. Although the coverage that you carry may be appropriate, it is important to transfer the policy to the new car so that it is properly covered.

Contact the Insurance Provider

Before you take any steps to change the insurance, contact a representative of the insurance provider and ask about your options. You may decide that transferring the policy is not appropriate because you are still driving the old car or you may need to consider a new plan if the cost of your coverage increases with the new car.

Expect some changes based on the vehicle that you have purchased and the details of the situation. Generally, you can expect the rates to change slightly.

Provide Appropriate Data

After you trade the old car in, you are no longer required to carry any coverage for the vehicle. Explain the situation to a representative of the insurance provider and then provide the updated information.

The insurance company will need the new VIN number as well as details related to the make, model and year of the car. The new policy will be applied to the vehicle when all of the data is provided. Most insurance providers will either fax a new policy or allow you to print a temporary copy of the plan until the official documents are sent in the mail.

It is not hard to transfer the auto insurance policy that you maintain to a new car, but you will need to make sure that you have all of the details and paperwork in order before making the change. To learn more about your options, contact us today.

"Will my auto insurance premiums increase if I file a claim?" This question is on the lips of nearly anyone who has recently had to file a claim. You may have even been scared to file a necessary claim because you were worried about the potential raise in your auto insurance rates. The good news: Not every claim will result in a raise in your car insurance rates. ‘

Whether or not your car insurance rates go up following a claim depends upon several different factors. Rest assured that your insurance company does not just arbitrarily raise rates, and they raise rates only when it is necessary given the situation. These are the things that might impact your insurance rate after a claim.

How Serious the Accident Was: A major accident that costs the insurance company many thousands or tens of thousands of dollars is more likely to result in a raised rate than a minor claim that involved, for example, a few hundred dollars in damage.

Your Driving History: What is your driving record like? Is this your first claim in years, or do you get into trouble with tickets and claims regularly? The fewer the claims you have and the less traffic violations you have, the less likely you are to experience a hike in rates.

Who Has Liability: Who was liable for the accident? If you have no liability in the accident, or only minor liability, it is unlikely your rates will be impacted. Conversely, if you are completely liable for a major accident it could certainly cause a change in rates.

Every policy is unique, and your insurance provider may offer special things like "accident forgiveness," so that rates are not impacted after a claim. Our agents are here to help you get a policy that will work for you, both in times of claims and in times of smooth driving. Check out our free live quote comparison tool online today!