Frequently Asked Questions


Question: When should I contact my insurance agent?

Answer: There are many factors that  impact the design of your policy and the premium charged for it. Because of this, there are a lot of  circumstances that warrant a visit with your agent - here are a few to consider. You should reach out any time you need to file a claim or think you may need to file a claim. You should communicate with your agent if you bought or sold property, bought or sold a vehicle, moved, had a change in your marital status, or if there has been a change in who lives with you. If you are a business customer, you should contact your agent if you have had any major changes in what your company does, in your revenue source, or your payroll.

Question: I've called or stopped in the office in the past. What if I can't remember who I talked to last time?

Answer: That's no problem. We have multiple licensed staff available to help you. We'll either get you to the person who is most familiar with your account or another person who can help you.

Question: What if I purchase a vehicle over the weekend?

Answer: In Minnesota, if you already have a personal auto policy in-force, a newly acquired private passenger auto is automatically covered with the same coverage as the existing vehicles, with some limitations. The new vehicle must be added to your policy within 14 days of purchase.  If you do not  have a personal auto policy in force, you may arrange coverage Monday - Friday during normal business hours.

Question: How can I pay my premium bill?

Answer: Your options may vary, depending on your carrier. However, the first thing to do is to check your bill for a phone number for your carrier's billing department - they can take a payment by credit or debit card, or electronic check. This eliminates mailing delays and will help you avoid late fees. Your carrier may also have a website where you can pay your bill. If those options don't work for you, you can call our office during normal business hours and we can assist you with making a payment by credit or debit card, or electronic check.

Your Options

​We and our carriers offer a range of options for how you can do business with us. Let us know what is important to you and we will help find the options that work best for you.

Some options you may have are:

  • How you communicate with us: phone, email, text or in person visits.

  • How you receive your insurance documents: paper or paperless via email.

  • How you pay your premiums: EFT, credit card, debit card, electronic check, ACH or cash.