How to Avoid Auto Insurance Scams and Be Safe

Buying auto insurance is paramount in protecting you from the uncertainty of accidents. However, you should also be careful to avoid sales scams because fraudulent agents, real and fake, take this opportunity to scam unsuspecting drivers. If you reside in Saint Paul, MN, Rising Star Insurance is a reputable and trustworthy insurance agency to help with all your auto insurance needs.

The following is how to be safe from auto insurance scams in 2021.

Look Out for Accident Scams

Scammers sometimes stage an accident scene very carefully with fake witnesses and legal advisors for made-up testimonies. It will be hard for an innocent driver to tell the truth about what happened with the combined effort of the scammers. In case of an accident, immediately request an official report to ensure the scammers don’t exaggerate the damage on their cars for a bigger claim.

Referral Frauds

Never provide personal information to anyone without verifying their credibility. Research the agent and the agency as there are many rising cases of auto insurance scams from referrals and other unsolicited sources. The state’s insurance department has a website where you can find licensed and reputable agencies.

At Rising Star Insurance, our agents are ethical, licensed, and legally permitted to provide auto insurance services to our clients.

Insurer Tricks

Sometimes cheap can turn out to be very expensive in the future. There are some fake agents who put ads online claiming to sell cheap auto insurance policies. If you invest in them without doing proper research, you might not realize the missing premiums till time to claim. Some unethical insurance agents may also add things you didn’t ask for to your premiums or coverages to get an extra commission, and it ends up costing you.

Car accidents are very stressful, especially if you don’t have a good insurer. That’s why you should always conduct in-depth research about a potential insurance agency before buying an auto policy. At Rising Star Insurance serving Saint Paul, MN, we value our clients, and that’s why we go above and beyond to ensure they get exactly what they need. Call us for quality auto insurance services and don’t fall victim to a fake agent’s scam.

Insuring Your Home in Saint Paul, MN: What to Include

Home insurance is required if you have a mortgage. There are many reasons for this, including the fact that you must insure your home in order to keep your loan. That’s because banks and lending organizations must protect their investment and cannot afford to take risks that might create a loss.

Legal or Illegal?

It is legal to own a home in the state of Minnesota without insurance, but it is not advisable. Rising Star Insurance in Saint Paul, MN takes care of residents in Saint Paul and the surrounding area, providing them with various types of coverage for their homes. 

If you have ever tried to repair a roof without insurance or done any other type of work on your home, you know the costs that can add up and that they can be insurmountable.

How Much is Enough?

The next issue you will want to decide is how much insurance is enough? In the Saint Paul area, there are a variety of different types of homes, some requiring more insurance to cover the value. That’s where the pros at home insurance come in. They can look at the size and value of your home and what it would cost to repair or replace it. 

Whether it be due to fire, flood, or other means, it’s important to evaluate the amount of home insurance you’ll need to cover the risk.

About Us

Visit with the professionals at Rising Star Insurance in Saint Paul, MN, and let them walk you through the process and look at your options. Your home is too important to you and your family to risk it. Get home insurance today from a trusted insurance agent. 

When considering insurance, always ask this question: "How much will it take to replace it if I lost it all?"

That will tell you how much insurance you need.

Should all Minnesota residents get life insurance?

Anyone that resides in the Saint Paul, MN area will have various insurance needs. One form of life insurance that people in this area of the state should consider getting is life insurance. This form of coverage can provide financial protection to the beneficiaries of the policy. There are several reasons all people in this area of the state should consider getting a life insurance plan. 

Coverage Provides Financial Support

A key reason to have a life insurance plan in this part of Minnesota is that it will offer financial support. Life insurance is designed to provide an insurance payout if the policyholder passes away during the term of the policy. This can be a great way to protect the financial future of those that you care most about. It can also cover end-of-life expenses, which otherwise may be a burden on your loved ones.

Coverage Offers Investment Incentive

You may also want to have a life insurance plan as it can provide a good investment incentive. If you choose to get a whole life insurance plan, some of the monthly payments will build up in an account and accrue interest. This can make whole life coverage a good low-risk investment and is a good addition to your total financial plan. 

People that are in Saint Paul, MN area would always benefit by having a proper life insurance plan. If you are in the market for a new policy in this area, it would be a good idea for you to call Rising Star Insurance. There are a lot of choices that come with life insurance and Rising Star Insurance can help you simplify your options. This can help ensure that you will receive the ideal life insurance coverage for your situation. 

How Much Does Boat Insurance Cost?

A boat is not an ordinary asset in Saint Paul, MN and owning one is pride. Getting decent insurance for your boat is not an overnight affair, as there are factors you must never overlook. It is prudent not to merge your homeowner’s policy with your boat insurance, lest you miss coverage like Wreck towing and salvage services. It is also wise to choose your insurer wisely since working with an institution such as Rising Star Insurance is a rewarding experience.

What To Consider

Insurance institutions look into several factors when engaging their clients on boat insurance. Luckily, almost every vessel has a matching policy with a reasonable price. Factors such as the value of your boat, current condition, physical size, horsepower, and the operating region, are among the primary ones when looking for a policy. Such determine the amount of money you pay for your policy.

What Insurance Options Do You Have?

Boat insurance policies come in two options, actual cash value, and agreed value. The approach employed to calculate the value of depreciation is the only factor that brings the difference. The second option concentrates on the initial value of the boat at the time of writing the agreement. It is more expensive but does not consider any depreciation, even in situations of total loss. The actual cash value is less costly because depreciation is a primary consideration. It compensates your boat depending on its current value after devaluation.

Getting boat insurance in Saint Paul, MN is not debatable as it falls among the most crucial requirements. You must buy a cover for your vessel in most states. You may have challenges trying to dock your boat without an insurance policy. Whether your state has laws governing boat insurance or not, failure to get a policy is not worth the risk. Contact Rising Star Insurance today to enjoy a smooth operation, knowing your vessel or finances are not in jeopardy.

How Does an Umbrella Policy Work?

Safeguarding assets is a number one priority for most people in Saint Paul, MN. With an umbrella insurance policy with Rising Star Insurance, you can enjoy extra protection over and above the existing limits of other insurance policies.

What Does an Umbrella Policy Cover?

An umbrella insurance policy protects you against significant liability claims that aren’t covered by other liability policies you have. An umbrella insurance policy will generally cover damage to property, injuries, and particular lawsuits.

While you might have other policies like homeowners insurance that cover some of those occurrences, it is vital to get umbrella insurance to cover you beyond the limits of those coverages.

An umbrella insurance policy doesn’t cover for:

  • Deliberate or criminal actions leading to damage to other people
  • Liability under a contract
  • Business losses

Do You Need an Umbrella Insurance Policy?

Umbrella insurance can come in handy for everyone. That’s because everyone is prone to accidents. Umbrella insurance policies help to avoid paying a high cost to a person’s legal or medical bills if you’re found responsible.

Let’s put it into perspective. Suppose you’re found responsible after a visitor is injured while walking or playing in your yard. Umbrella insurance will cover the resulting costs up to the limits of your policy.

 Your umbrella insurance policy can also extend to your children, spouse, and other relatives residing in your home. That means that you will have everything covered in case your teenage daughter causes an accident.

Get an Umbrella Policy Today

We’re in a world where anything can happen at any time. Your neighbors can sue you for anything, bringing about a significant financial burden. Even if you’re the most cautious person, you can end up being caught up on the wrong side of the law.

Are you seeking to find the most affordable insurance company in Saint Paul, MN? Check out Rising Star Insurance to stay protected.

Dangers of Compromising Auto Insurance

Purchasing a vehicle these days is a lot easier. With different financing options, increasing salaries, and multiple dealers, the car ownership journey has been made hassle-free. Car ownership responsibilities don’t stop at the purchase. There are some financial responsibilities you have to deal with as a responsible car owner — one being auto insurance.

Why you shouldn’t compromise on your auto insurance

Auto insurance is mandatory in Minnesota, and if you fail to show proof of one, you face hefty fines and penalties, including loss of license. Additionally, if you fail to purchase car insurance from agencies like Rising Star Insurance located in Saint Paul, MN, you will face the below consequences.

Uncovered liability claims

Liability insurance covers medical costs and damages caused to others when you are at fault. Without this insurance, you will be looking at a situation where you incur out-of-pocket costs to cover damages and medical expenses. And if sued for damages, your assets will be at stake when you don’t have liability insurance.

Uncovered medical expenses

Auto insurance policies like medical payments and PIP coverages insure you and your passengers against accident-related medical expenses. Failure to have these, you may have to folk out medical expenses from your pocket.

Uncovered damage or loss to your vehicle

The right car insurance coverage covers for damage or loss of your vehicle. A serious accident can cause severe damage to your car, leading to a total loss. Without auto insurance, you may have to forget you had a car. And if you want a replacement, you will have to cover this from your pocket. 

Having seen the dangers of not having auto insurance, why would you want to fall into this dangerous trap? Instead, be wise and get yourself auto insurance cover from Rising Star Insurance in Saint Paul, MN. And if worried about budget, don’t be. We provide customizable auto insurance options with your budget in mind.

Motorcycle Insurance Options in Minnesota

You bought a motorcycle so that you can enjoy the feeling of freedom it brings as you are riding down the highway, and you will want to protect the investment you made in your bike. To do that, you will need to have an insurance policy in place and the motorcycle insurance agents at Rising Star Insurance in Saint Paul, MN understand the importance of being protected.

Liability Motorcycle Insurance

All motorcycle owners in the state of Minnesota must have at least liability insurance to drive the motorcycle legally on the roadways. There is a minimum amount of liability insurance that you must carry at all times that will cover injuries and property damage to another person that you were involved in an accident with that is your fault.

Underinsured and Uninsured Insurance

Although not required in Minnesota, it’s a good idea to have underinsured and uninsured insurance coverage for your motorcycle. This will protect the investment you made in your motorcycle if you are involved in an accident that is the fault of someone who has no insurance or not enough insurance to cover the damage to your bike or injuries that you sustain in the crash.

Collision Motorcycle Insurance

Collision insurance will cover any damages to your motorcycle that occur if you collide with another vehicle or an object.

Comprehensive Motorcycle Insurance

Comprehensive motorcycle insurance will cover the repairs or replacement of your bike if it is destroyed or damaged in a fire, a natural disaster, or due to vandalism. It will also cover your motorcycle if it is stolen.

Obtain Your Policy

To obtain a motorcycle policy to protect you and your bike, you may contact the motorcycle insurance agents at Rising Star Insurance in Saint Paul, MN to obtain a quote and to get your policy started today!

Does boat insurance cover damages that occur on land?

What a great question! Here at Rising Star Insurance we always welcome questions like these from our clients. We are thrilled to serve the boating community in the greater Saint Paul, MN area! Of course, the answer to this astute question depends on a number of different factors. 

Let’s Take a Closer Look Your Boat Insurance Policy

Owning a boat is a serious pastime in our neck of the woods, and it’s a smart idea to have comprehensive insurance. And when you have the right coverage for your situation you can rest easy knowing you have the protection you need!

  • Dry dock — do you store your boat in the dry dock over the winter? Make sure that you have damage and theft coverage for when your boat is on dry land.
  • Marina — is your marina safe? With the right policy, you’ll have the protection you need, wherever your boat may be.
  • Transport to and from the water — if you trailer your boat to and from the water, make sure that your trailer, vehicle, and boat are all adequately covered.
  • Liability — with robust liability protection you are safe if your vessel is involved in an accident that causes injury, property damage, or the loss of your boat. 

Get ready for boating and lake season by confirming that your boat policy is the right one for all your nautical needs.

Contact us today and review the boat insurance policy options available in MN

If you are a boat owner in the Saint Paul, MN area, it’s time to meet with Rising Star Insurance and review your policy options. There are many different types of boat insurance available, stop by today and let’s make sure yours has the coverage you need!

How Does Umbrella Insurance Work?

Having enough insurance is different for everyone. For many people, having enough liability insurance entails getting an umbrella insurance policy. This kind of insurance works alongside the auto and home coverage that you already have. If you are interested in umbrella insurance, call us at Rising Star Insurance in Saint Paul, MN. 

Liability and Auto Insurance

If you have auto insurance, you may know that it comes with a certain amount of liability coverage. This liability coverage, however, is often relatively low. Today’s costs for injuries and property damage are higher than ever, and that can mean that your insurance policy doesn’t pay for everything before it meets its maximum payout. If you have umbrella insurance, that’s when your umbrella policy kicks in. It covers over and above the amount that your auto insurance will pay to give you a much higher maximum payout. 

Liability and Home Insurance

Umbrella insurance works in much the same way with home insurance as it does with auto insurance. It gives you a higher maximum payout after your home insurance has paid its maximum for liability. This gives you another high maximum that can pay off your liability without you having to pay for it out of your own pocket. 

Get More Liability Coverage

In today’s world, medical bills and property have skyrocketed, and your liability insurance coverage may not have kept up with the times. If you want to be protected from the many accidents and incidents that can lead to you paying for medical bills and repairing the property, call us at Rising Star Insurance in Saint Paul, MN. Make an appointment to talk with an agent about umbrella insurance policies and how they can protect you from costly bills and lawsuits. 

Why Every Parent Needs to Have Adequate Life Insurance

Do you have children? If so, you need a life policy from Rising Star Insurance. Having this type of policy can help ensure your kids are taken care of in the event of your death. Keep reading to learn why every Saint Paul, MN parent needs to have adequate life insurance.

Why Parents Need Life Insurance

It’s probably pretty obvious that working parents have a big role in the financial structure of the family. After the death of a loved one, the surviving family can sometimes have a hard time making ends meet or even keeping up with the mortgage. However, the proceeds from a life insurance policy can help fill in gaps, pay off the house, and more.

And, yes, even stay-at-home parents need life insurance coverage. The reason for this is that the adult who chooses to take care of the household may only contribute a minimum financially, but they play a huge role in childcare, household tasks, and more. After a death, the surviving parent would be forced to hire someone to come in and take care of the same things.

Even Divorced Parents Need Life Insurance

Although it might be difficult for some co-parents to arrange, even divorced couples need life insurance coverage. The reason for this is that if one parent dies, the other one will likely still need the support of some kind, whether that’s financial or just an extra babysitter once in a while to fill in the gaps. Plus, having a policy ahead of time can help ensure the children have the resources they need to thrive.

Our Rising Star Insurance Team Can Help

While having a difficult conversation about life insurance is tough for most couples, protecting your children is well worth the discomfort. By ensuring you have enough coverage, you can rest assured that your family will have the financial resources necessary to carry on after the unthinkable.

Are you looking for life insurance in Saint Paul, MN? Please contact our Rising Star Insurance team today to schedule a no-obligation consultation appointment.