Trusted Automotive Coverage
Decades of Auto Insurance Across Minnesota
Auto Insurance In
Minnesota
Your vehicle is more than just a means of transportation—it's an essential part of your life, and Stensgard Insurance Agency knows that. That’s why we offer auto insurance plans across Minnesota designed to provide you with the protection you need, tailored to fit your unique circumstances. Our aim is to guarantee your road safety while guiding you towards cost-effective rates. Whether you need full coverage or basic liability, our experienced team is here to guide you through the options. Reach out to us today to learn more about safeguarding your vehicle.
Important Auto Policy Definitions
Bodily Injury (BI) and Property Damage (PD)
This coverage encompasses your legal responsibility for harm you inflict upon others and any property damage that results from your negligence. This coverage is usually expressed as a “split number,” such as 100/300/100.
- The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
- The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
- The third number is the limit your policy will pay for property damage per accident.
Many people are under-insured today because of the rising costs of vehicles (making it easy to exceed your property damage limits) and the high personal injury awards in lawsuits. Please consult with us to ensure that you have adequate coverage.
Uninsured & Underinsured Motorist
It protects you from injuries caused by individuals who lack insurance or have insufficient coverage limits. This is an often overlooked form of coverage, and we would be pleased to help you understand this better.
Collision
This coverage pays to replace or repair your car if you cause an accident. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you.
Comprehensive
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism. Your policy may cover hail and other "acts of God". This also has a deductible, so please consult with us about which deductible meets your needs.
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About Our Agency
Since its founding in 1986, Stensgard Insurance Agency has dedicated itself to offering personalized and reliable insurance solutions to our community. We pride ourselves on building strong relationships with our clients, working tirelessly to find the best coverage options for you. With a commitment to superior service and attention to detail, we strive to earn your trust and ensure your peace of mind.
Contact us today to learn more about how we can protect what matters most to you.
Affordable and Reliable Auto Insurance
Protect your vehicle with comprehensive auto insurance that fits your budget. At Stensgard Insurance Agency, we offer a variety of coverage options and personally review your policy to help you get the most coverage for the least amount of money.
Give us a call to explore the right coverage for your needs.
Simplified Life Insurance Solutions
Understanding life insurance can be overwhelming, but we are here to help. Whether you're considering universal or term life insurance, we can explain the differences in simple terms. Let us help you choose the right policy for you and your loved ones. Reach out to discuss your options today.
Business Insurance Tailored to You
Running a business comes with risks, but with the right insurance, you can protect your livelihood from the worst. We offer coverage for property, liability, and business interruption. Let us review your current policies and ensure you have the protection you need. Call us today to secure your business.
Service to Your Satisfaction
Your satisfaction is our top priority at Stensgard Insurance Agency. We are dedicated to making the insurance process as smooth and stress-free as possible for you—you are our valued customer, not an account number. Our goal is to ensure that you feel confident in your coverage, supported by our team.
Contact us today to see how we can exceed your expectations.
Comprehensive Home Insurance Protection
Your home is one of your biggest investments—make sure it’s protected. Our agency will review your homeowner’s policy to identify and address any coverage gaps. We are here to help you safeguard your property and peace of mind. Contact Stensgard Insurance Agency today to schedule a policy review.
Providing Trusted Insurance Services
At Stensgard Insurance Agency, our team is made up of experienced professionals who are passionate about helping you find the right insurance solutions. Well-known carriers like Safeco and Travelers trust us, ensuring you receive the best policies available. Get in touch with us today to begin.
Our Featured Insurance Partners
WHAT MAKES OUR AGENCY SO POPULAR?
Stensgard Insurance Agency is known across Minnesota
for offering personalized auto insurance
that caters to each client's unique needs. Our clients appreciate the attention to detail and dedication we bring to every aspect of our auto insurance
services. We regularly review and update the auto insurance
we offer to ensure our clients always have the best coverage from carriers at the most competitive rates. Our experienced team is known for explaining auto insurance
in clear, easy-to-understand terms, making the process smooth and stress-free.
The commitment to superior customer service is a cornerstone of our auto insurance
services, helping us build long-lasting relationships with our clients. Contact us today to get started.
Frequently Asked Questions
What is the best way to contact you?
The best way to contact our team is by calling us directly at (651) 994-1404 for immediate assistance. You can also reach us via email at paul@stensgardinsurance.com or by using our onsite contact form for any inquiries, as well as a free quote. We look forward to hearing from you.
What services can Stensgard Insurance Agency provide?
At Stensgard Insurance Agency, we offer a comprehensive range of insurance solutions, including coverage for your personal assets, financial security for your loved ones, or protection for your business. We provide customized recommendations to ensure that you receive the best possible coverage at competitive rates.