Auto Insurance

Coverage for your vehicles, your drivers, and your liability on the road.

Auto insurance is the policy most people shop on price alone, which is exactly how they end up underinsured. We will show you what your current limits actually mean and what it costs to fix them — the difference is often smaller than people expect.

That means your own policy pays your medical bills after an accident regardless of who caused it, through Personal Injury Protection. Minnesota requires a minimum of $40,000 in PIP per person. It also means the liability limits you carry are about protecting your assets from the other party, not your own care.

Liability coverage (bodily injury and property damage)
Personal Injury Protection (PIP)
Uninsured and underinsured motorist
Collision and comprehensive
Roadside assistance and towing
Rental car reimbursement
Boats, ATVs, snowmobiles, motorcycles and RVs
Umbrella / excess liability

State minimum liability is 30/60/10 — thirty thousand per person for injuries, sixty per accident, ten for property damage. Ten thousand does not replace a modern vehicle. If you have savings, a home, or future income worth protecting, minimum limits are a gamble rather than a plan. Uninsured and underinsured motorist coverage is the other one worth a hard look.

Bundling with home is usually the largest. Beyond that: multi-vehicle, clean driving record, paid-in-full, and telematics programs if you are comfortable with them. Good student discounts are meaningful if you have a teenage driver, which is otherwise the single most expensive thing that can happen to an auto policy.

You'll work directly with Spencer

Spencer handles auto insurance here, so the person who quotes it is the same person who answers when you call about it later. No call centers, no getting handed off, no explaining your situation twice. He'll be with you from the first question through every renewal after it.

Would rather not fill in a form? Call Spencer directly at 952-956-2502 and give him your information over the phone. It takes about the same amount of time, and plenty of people prefer it — you're welcome to do it that way.

Spencer Bernauer952-956-2502

Request an Auto Insurance Quote

Tell us a bit about your situation and we’ll get back to you with real numbers. No obligation, and we never sell your information.

Short on time? You can skip most of this.

Fill in what you can below, hit send, and then text or email us a photo of your current policy’s declarations page — that’s the summary page listing your drivers, vehicles and limits. Spencer will read everything else off it and build the quote from there.

Spencer · 952-956-2502 Pat · 952-457-5894 [email protected]

CONTACT INFORMATION

Full Name*

Cell Phone*

Email*

Home Address

County

DRIVERS IN THE HOUSEHOLD

Who Drives?

Carriers rate from the license, so they need a name, a date of birth, a gender and a license number for each person. Everyone in the household has to be listed — including anyone insured somewhere else.

Policy owner

Full Name

Date of Birth

Driver’s License Number

Gender

As it appears on the license — carriers rate from this.

Any Accidents or Tickets in the Last 3 Years?

For any driver above. Being upfront here keeps the quote accurate — it shows up on the report either way.

VEHICLES

What Are We Insuring?*

Start with the VIN and we will fill in the year, make and model for you. Annual mileage matters too — it is one of the bigger factors in the price.

Vehicle 1

VIN

17 characters. It’s on your insurance card, your registration, and the driver’s side dashboard where it meets the windshield. Type it and we’ll fill in the rest.

Year

Make

Model

Miles driven a year

A rough figure is fine — it is one of the bigger factors in the price, so a low-mileage car is worth saying so about.

BOATS, TOYS AND RECREATIONAL VEHICLES

Anything Else You'd Like Covered?

These usually cost far less added alongside your auto policy than bought separately, and a lot of people don't realize their auto policy does not cover them at all.

Tell Us About Them

Year, make and model for each, plus where they're stored over winter. Storage matters more than people expect — it often lowers the rate.

CURRENT COVERAGE

Current Insurance Company

When Does It Renew?

What Are You Looking For?

Would You Like a Home Quote Too?

Interested in an Umbrella Policy?

An umbrella sits on top of your auto and home liability and picks up where they stop. If you have savings, a house, or future income worth protecting, it is usually the cheapest meaningful coverage you can buy.

Your information goes straight to our office. We never sell your data.

Looking for something else?

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