Why Choose Value Plus Insurance?
Experience counts. For over a decade, we have brokered for America's top insurance companies to secure the best rates and coverage for our clients.
Choose Value Plus Insurance for:
- Affordable pricing
- Friendly customer service
- No-pressure quotes
- Fast service
- Competitive recreational vehicle insurance
- Knowledgeable insurance brokers
Value Plus Insurance has a passion for delivering unequalled professional advice and service and low-cost vehicle insurance. Our brokers understand that each customer has their own set of unique needs and requirements. Call 952-435-0550 and talk to an agent today!
Wisconsin and Minnesota Auto Insurance
Whether you need comprehensive auto insurance for a brand new vehicle or you’re looking for liability coverage for an older vehicle, we’ve got you covered. Value Plus Insurance has brokered auto insurance for more than a decade, delivering top-tier customer service while matching drivers with the best policies for their needs.
We work with clients to help you understand all of the available options and save hundreds each year with discounts for driving records, bundles, and more!
Liability Only Insurance
Liability only coverage is the minimum policy legally required in most states. Liability insurance covers property damage and bodily injury liability in the event of an at-fault accident. Covered costs may include vehicle repair or replacement, other property damage, medical expenses, pain and suffering, loss of income, legal fees, and funeral expenses for the injured party. These policies will not cover expenses to the driver’s own vehicle.
Collision insurance covers the cost to repair or replace your vehicle if it becomes damaged due to a collision with another vehicle or object or in a single-vehicle accident. It does not cover medical expenses or vehicle damage caused by weather, vandalism, theft, or another non-collision-related cause. Additionally, collision coverage is typically limited to the actual cash value of your vehicle, or the car’s value less depreciation.
Comprehensive insurance pays for the cost of vehicle repair or replacement whether due to a collision, vandalism, theft, weather, natural disaster, or another cause. Comprehensive coverage is the maximum available coverage and includes windshield repair and glass claims, temporary vehicles, and more.
Why Get More Than Minimum Liability Insurance?
Minnesota probably has the best minimum mandatory liability car insurance law in the country. It even requires drivers to carry uninsured and underinsured coverage. Is it enough? Try spending an evening in an emergency room unconscious, three days in intensive care, and another seven days in the hospital, and then answer the question.
Whether its vehicle insurance or motorcycle insurance, minimum liability coverage is insufficient. Sure, when you get minimum liability coverage, you're saving money. However, this may be a decision you might regret a month later, depending on what could happen to you.
Value Plus Insurance wants to help you make smart decisions now about your vehicle or motorcycle insurance. If you cause an accident, you're only insured up to your policy limits. Anything beyond that might force you into bankruptcy, because you can be personally liable for anything over and above your policy limits.
Unless you have a poor driving record, quality coverage will only cost you a few hundred dollars a year more. Umbrella coverage is available beyond that starting at $1 million in coverage. If a big buck jumps in front of you when you're traveling at 55 miles per hour, you'll see thousands of dollars of damage to your vehicle. You can't sue the buck. With minimum coverage, you can't sue your insurance company either, because a single vehicle accident isn't going to be covered.
If you get hit by an uninsured motorist, your vehicle won't be covered either, because minimum insurance doesn't include collision coverage. If your vehicle gets stolen, catches fire, or is vandalized, you're still not covered with minimum liability. You don't have a special type of coverage that most people have called comprehensive coverage that would insure you for those perils. Typically, you'll buy comprehensive coverage when you buy collision coverage.
Shop Multiple Insurance Companies for the Best Value
Value Plus Insurance is here to help ensure that you're properly insured at the value you deserve. We're not married to one insurance company – we offer insurance from multiple carriers, allowing us the ability to custom fit your insurance coverage to suit your own individual needs. You'll be insured for well above the minimum legal liability limits at significantly lower rates than you thought!
Other Types of Insurance
There are always unpredictable twists and turns on the road of life, and that's exactly why you need to get insurance. Insurance helps provide for you financially when you come to one of those difficult bends in the road.
Value Plus Insurance serves Minneapolis and the surrounding area by offering customers a wide range of insurance policies:
- DUI Insurance
- Commercial Insurance
- Motorcycle insurance
- Vehicle Insurance
- Boat Insurance
- Home Insurance
- Renters Insurance
- Health Insurance
- Life Insurance
At Value Plus Insurance, we have agents that specialize in each of these types of insurance and can work with you to develop a policy to suit your needs. Though all these insurance types are available for our customers, our agents are especially interested in speaking with you about some of the most basic insurance needs.
SR-22 Insurance Forms
Value Plus Insurance specializes in handling SR-22 certificates to help drivers get their privileges reinstated faster after a DUI. This important documentation demonstrates that a driver has met the requirements for liability insurance.
Get comprehensive, collision, or liability insurance for your bike or scooter whether you’re a daily commuter or a weekend rider. We offer policies to cover all of your custom modifications, associated medical costs, motorcycle theft, and more.
Recreational Vehicle Insurance
Make the most of your family vacations and weekend camping trips with RV coverage for all of your recreational vehicles. We can help you find coverage for your travel trailer, Airstream, golf carts, snowmobiles, ATVs, and more.
Protect your boat from stern to bow and everyone in it with affordable boat insurance from Value Plus Insurance. Whether you own a sailboat, fishing boat, pontoon, or houseboat, we can help you with coverage against theft, fire, vandalism, floods, wild weather, and anything else that comes your way.
Understanding Your Options for Commercial Vehicle Insurance
Are you a business owner with a company vehicle or a fleet? We can match your company with a policy that protects your drivers and company vehicles.
When you utilize a vehicle to conduct business transactions, you need business auto insurance. Without it, your insurance company may not repair or replace your vehicle after you sustain an accident while operating your vehicle in a business capacity.
Types of Losses to Your Company Car
For insurance purposes, there are two major types of accidents you encounter. At-fault accidents are those in which you or your employee caused the accident, also known as a loss. No-fault accidents are those in which you were the victim of another’s negligence.
You can also have a loss that does not stem from an accident, e.g. damage sustained to your car from hail damage or vandalism. Depending on the type of loss you incur, your insurance company will determine how much of your established limits are allocated to cover your loss.
Whether your company should buy liability, collision, or comprehensive commercial vehicle coverage depends on the needs of your business. Of course, the more insurance coverage you have, the more protected your business is when a loss is experienced. With the right insurance in place, your business will not be completely responsible for repairing or replacing your company car after an accident, which keeps your business financially solvent.
Get quotes on Minnesota or Wisconsin vehicle insurance from the insurance company you can trust. Contact us online to get a vehicle insurance quote, or call our agents now at 866-398-6428.
3 Types of Insurance Every Person Truly Needs
There are three things that you truly need to protect: your health and your two biggest financial assets. Healthcare is extremely expensive, and health insurance keeps you from paying those high medical fees. Staying in good health is critical to your quality of life and so that you can take care of your family too. Taking care of your family also means protecting financial assets. For most people, the home and car are the largest financial assets.
1. Health Insurance
With medical care expenses steadily increasing in Minnesota, most people buy health insurance for themselves and for their families.
2. Homeowners Insurance
If you own a home, you need homeowners insurance to protect not only your home, but also your personal property. You need to know how much protection to get and understand the various types of protection (like whether floods are covered).
3. Vehicle Insurance
Minnesota law requires auto insurance. When you're properly insured, you are protected from financial costs that result from an automobile accident or an injury.
Get a Quote From Value Plus Insurance
Value Plus Insurance has customer service oriented, independent insurance agents who are ready to assist you. When you’re ready to ensure the safety of your family and your assets, call or stop by Value Plus Insurance in Burnsville, Minnesota.
If you're in a hurry, use the quick, easy online quote tool. Whichever way you get your quote, rest assured knowing that Minneapolis' leading insurance team is working to get you the amount of coverage you need at the best possible price!