There’s nothing like the thrill of the open road as you cruise ahead toward the horizon with the windows rolled down and the sunset behind you. You’ve got the perfect road trip playlist, a beautiful ride, and even better company. Unfortunately, you’ve also got an insurance policy that’s costing you an arm and a leg.


Auto insurance is one of life’s unavoidable expenses. But with the right car insurance company, you can save money and get better coverage so you can focus on more important things like which Queen song to listen to on the highway. In this post from Value Plus Insurance, your local Minnesota car insurance pros, we’re breaking down everything you need to know about car insurance. Give us a call to update your insurance policy and start saving money!

Types of Auto Insurance

While auto insurance is required everywhere, understanding what you’re getting when buying insurance can be a daunting task. Here’s what you need to know about the different types of auto insurance coverage:

●      Liability-Only Coverage

Liability-only coverage is the lowest priced auto insurance option and covers only your liability to others. Liability coverage will not cover the costs associated with your vehicle or injuries to you or your passengers. However, liability will cover your liability to a party injured in an accident that is deemed your responsibility. This may include lost wages, damaged vehicle costs, court costs, additional property damage, and medical expenses.

●      Comprehensive Coverage

Comprehensive coverage covers more than just collisions. If your vehicle is damaged due to unforeseen weather-related circumstances such as a storm or flood, for example, it would be covered under a comprehensive policy. Likewise, a comprehensive policy covers a vehicle in the event of theft or vandalism.

●      Collision Coverage

Collision coverage pays for the cost to repair or replace your vehicle when it’s involved in a collision with either another object or vehicle. This can include traffic accidents or even collisions with stationary objects such as trees or lampposts. Typically, collision insurance is required when financing or leasing a vehicle.

Other Types of Vehicle Coverage

In addition to automobile insurance, Value Plus insurance offers coverage for a wide range of vehicles including motorcycles, boats, and commercial vehicles. When you need help choosing the best policy for your vehicle, driving needs, and budget, Value Plus Insurance is here to help. To get a quote on a car insurance policy, call us at 952-435-0550 or contact us online today.