Minnesota

Year-Round Driving Tips for Minnesota Residents

Posted on by AgentInsure

Safe driving in Minnesota requires knowledge of how to navigate roads in any condition. Whether you’re enjoying the rural roads of Minnesota in spring and summer or navigating the colder conditions of fall and winter, driving in Minnesota means being prepared and alert all year round. Here are some tips for year-round driving that will keep you safe in any situation. For additional protection, ensure you have the right auto insurance from the team at Safechoice Insurance Agency in Rochester, MN.

Year-Round Driving Tips for Minnesota Residents

In spring and summer, driving safely is generally easier as you’ll be following the standard rules of the road. Pay attention to road conditions and other drivers, never drive under the influence of alcohol, and use your resources (like lighting) to stay safe and alert. Fall and winter driving can be more challenging due to extreme weather like rainstorms and snow. When driving in rain or snow, slow down to avoid hydroplaning or colliding with a vehicle you can’t see, maintain your vehicle to prevent low fluids or tire pressure from becoming a problem during winter, and avoid driving altogether if road conditions are unsafe. If you do get into an accident, having auto insurance is crucial, so ensure you have a reliable policy all year round.

Find Car Insurance Policies in Minnesota With Safechoice Insurance Agency

At Safechoice Insurance Agency in Rochester, MN, we prioritize your safety by helping you find coverage that will support you on the road and beyond. Compare quotes now to secure a policy that will keep you safe on Minnesota roads, no matter the time of year!

When to Switch Life Insurance Provider in MN

Posted on by AgentInsure
As with your other insurance policies–home, auto and health–there’s no need to stay with the same insurance company just because they’re the same company that your parents and grandparents used, or because you bought life insurance from them at the recommendation of a friend who sold insurance for that particular company. You’re always free, at any time, to change insurance provider if you feel that your current policy isn’t suitable.

Some people like to change insurance providers because, once they’ve worked with us, they see that by shopping around with different insurance companies they can get lower premiums on the same type of policy. Another reason for which you might change insurance providers is when your family is expanding and you need to increase your life insurance coverage. As you add children to your family, your expenses go up along with your need for more life insurance for both partners. You should also reevaluate your life insurance policy when your income goes up significantly.
The most important thing to keep in mind when changing your life insurance provider is to not cancel your first policy before the new one takes effect. The extra $50 or $100 that you "waste" during the overlap is not a bad thing; what if you were in an accident during that time and had no coverage at all? In five or ten years, you’ll forget all about that money, but if you were to pass on, your loved ones would lose out on hundreds of thousands of dollars in insurance money.
To learn more about the types of life insurance that are available in Minnesota, contact our insurance team today. We’ll check amongst our partner agencies to help you find a policy that meets your current insurance needs.

Life Insurance – Safechoice Insurance Agency in Rochester, MN

Posted on by AgentInsure

The topic of life insurance is often considered taboo in our society because few people want to talk about death, much less making plans for it. However, as the joke goes, it's one of the two inevitable things in life. Not planning ahead may leave your family in financial jeopardy, especially if you're the main income earner.

When buying life insurance, you need to buy a policy that will meet at least the basic living expenses for your dependents. This will vary depending on whether you're a family of two or a family of ten. The basic rule of thumb is to buy a policy that's equal to ten times your annual salary. If you earn $70,000 a year then you'll want to have at least $700,000 in life insurance. If they have to make a claim, your beneficiary can invest the money and they should be able to live off of the interest.Life insurance is also essential for stay-at-home parents. Even though you're not bringing in a paycheck, you contribute a lot to your family and you should have a policy of at least $250,000. It would take a large portion of that to pay for child care, cooking and cleaning services and all of the other tasks you handle for the family. Single parents are also not exempt from the need for life insurance. You, arguably, need it even more than two-parent families since you're the sole provider for your children.

As an independent life insurance agency serving the Rochester, Minnesota community, our team at Safechoice Insurance Agency is dedicated to helping you become educated about life insurance so that you can make decisions that are beneficial for your family. Contact us today to learn more about life insurance.