Does your auto policy provide the features you need?

If you are a resident in the greater Saint Paul, MN metro area, it’s time to get to know the team at Rising Star Insurance. We are proud to serve the insurance needs of our community and would welcome the opportunity to work with you. Auto insurance policies’ features have changed significantly over the years, and now is a perfect time to double-check that you have the coverage you need!

Choosing the right features for your auto policy

If it’s been a while since you’ve looked at the features available with auto policies, you may be surprised by all of the benefits that currently come with car insurance. 

One of the more exciting features you may be interested in is the Declining Premium. With this feature, you can have the cost of your premium reduced over time as long as you maintain a safe driving record. 

Another popular feature is Roadside Assistance. This allows you to take to the road knowing that you have a backup if you experience a breakdown or another similar type of mishap. 

In most cases, both of these features can be added to your policy. And if it’s time for you to review your current auto policy, it makes sense to take a look at the available features simultaneously. 

There are many great ways that your auto policy can protect you, and not all of them have to do with damage or collision protection.

Find out more today!

Call us if you are in the Saint Paul, MN area and are looking for help with your insurance needs. Rising Star Insurance is here to help you find the right insurance for your needs. Call or stop by today!

It’s time to review your Minnesota auto insurance policy

Saint Paul, MN area residents can rest assured that the team at Rising Star Insurance is here to meet all of their insurance needs! We encourage all of our clients to review their policies regularly to ensure that they still provide the necessary coverage. If, after your review, you find that it’s time to make some changes to your auto policy, give us a call!

Now is a perfect time to review your auto insurance policy

Many folks automatically review their auto insurance policies year after year without giving it much thought. While this might be an okay thing to do for a while, if a significant amount of time has passed since you’ve taken a close look at your policy, now is the time for a full review!

Don’t let complacency cause future problems that can be easily avoided! And, if, when you sit down for that review, you’re not sure what you’re looking for, don’t give up. Call us today if you can’t make heads or tails of your policy or would just like a bit of help. A local agent who understands our community and the insurance needs of our residents can be a fantastic resource for you.

Don’t procrastinate until your coverage is completely outdated! Review your policy regularly and ensure that your protection is in-line with your needs. You may be surprised at how much those needs have changed.

Find out more today!

Rising Star Insurance is here to serve all of the insurance needs of the metro Saint Paul, MN area. If it’s been a while since you have taken a close look at your auto policy, give us a call today! We are here to help you.

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.

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.

What should I do when hit by an uninsured motorist?

Can I still get compensation if I’m hit by an uninsured driver? What should I do when faced by such a challenge? These are some of the common questions we receive at Rising Star Insurance from some of our auto insurance clients. Despite carrying a minimum liability coverage being a requirement by the law, we still have some regular drivers across Saint Paul, MN who still drive without insurance. This is not only dangerous to the driver but other drivers and passengers as well. It is also a criminal offense.

So, what should you do when hit by an insured driver?

Call the Police

If you ever get into an accident, whether the other party has insurance or not, always call the Police. If you are dealing with an uninsured motorist, then this step becomes even more critical. The Police will help you get your compensation and make the whole claim process faster and smoother.

Do not accept any negotiations until your insurance agents and the Police have arrived

Never negotiate with an uninsured driver. This is a common occurrence as most uninsured drivers try to avoid the hefty fines and the legal repercussions that come with driving without insurance.  For this reason, they may try to trick you and offer to give you a certain amount of money, so you clear the compensation before it gets to the Police. Remember, at this point; you don’t know how much damage or injuries will cost. So, even if it seems a good deal, don’t accept money.

Gather as much evidence as possible

Take pictures of the vehicle as well as the damage done to your car. Get the make and model of the other vehicle and record the time of the accident and the badge number of the officer who will attend to you.

Getting hit by an uninsured driver can be worrying, but not when you have Rising Star insurance agents around. We care about your safety, and that’s why we will be there with you to make sure you get compensation and the justice you deserve. For more discussions about uninsured accidents, feel free to visit us at Saint Paul, MN today.

How you are covered with auto insurance in Saint Paul, MN

For people all over the Saint Paul, MN area, owning a car can be a necessity. If you are going to purchase this car, it is important that you protect the valuable asset. One way that you can do this is by getting an auto insurance policy as it will cover you in several ways. 

Protection for Liability

One way that you are covered with an auto insurance policy is that you can receive protection for liability. Even if you are a very safe driver, there is always a small chance that you could cause an accident. If this occurs, you are going to be required to cover any damages that are caused. Since this can be a big expense, you need to have a liability insurance policy in place to cover against this risk.

Protects Assets

Another way that your auto insurance policy can protect you is by providing you with property coverage for your vehicle. If you have a car that you would like to be able to replace if it is damaged or stolen, you should get a full policy with comprehensive and collision coverage. This will give coverage for almost any situation that could result in a loss. 

Anyone that is in the Saint Paul, MN area will benefit from auto insurance as it provides several forms of protection. If you are looking to buy a car or are evaluating your current coverage, you should call Rising Star Insurance. The insurance team at Rising Star Insurance is aware of how important it is to get into a quality auto insurance policy. When you contact them, they will be able to help you pick a policy that provides the right coverage and ensures you are in full compliance with the law. 

How auto insurance can protect you

Driving a car on a daily basis is a basic necessity and responsibility for people that are all over the Saint Paul, MN area. When you do own a car, you need to remember that you are driving an asset that also comes with a lot of responsibilities. One important responsibility that you have will be the need to carry auto insurance. Having a quality auto insurance policy can protect you with a number of different ways. 

Protects Your Car

When you receive a full auto insurance policy you will receive great coverage for your vehicle. This can include receiving coverage if your car is damaged, stolen, or vandalized. Since your car is such a valuable asset that you need to invest a lot of money in, this type of coverage will prove to be very valuable. Further, it likely will also be required by an auto loan provider. 

Provide Liability Coverage

While most people think of how auto insurance can protect their car, it can also give you very valuable liability coverage. If you are ever involved in an accident and determined to be the party at fault, you will be required to pay for all damages caused. If you do not have liability insurance in place, you could end up having to come out of pocket to cover these expenses. 

Auto insurance can provide you with some great coverage when you are behind the wheel. Before you start driving your next car in the Saint Paul, MN area, you should reach out to the team at Rising Star Insurance. The professionals at Rising Star Insurance know what type of coverage will provide you with the best protection possible. They will then explain your options and make sure that you have all of the information you need before making the important decision. 

Insuring Your Vintage Automobile

An antique vehicle requires specific insurance, especially if it is a collectible. An antique car is usually over 45 years old. When repairs are made, it is essential to keep all the parts in alignment with the specifications of the original manufacturer. There are many things about insuring an antique vehicle that differs from insuring a newer automobile, which includes:

  • Insurance values for antique vehicles usually increase, rather than decrease, over time.
  • Antique collectible vehicles are rarely driven because they have greater value with low mileage.
  • Some insurance policies for antique vehicles place restrictions on where the vehicle can be driven, such as only in car shows, at parades, or other special events.
  • Because they are not driven very much, if they are put on display, they need to be transported by truck and be insured during transport.
  • The insurance company underwriter and the antique car owner need to agree on the replacement value price. This can sometimes be determined from a price achieved by a recent auction of a similar vehicle.

Antique cars are different than vintage cars and classic cars. Vintage cars are usually ones that were made during the 1920’s and 1930’s. Classic cars are at least 20 years old and not more than 40 years old. Vintage vehicles can also be antique cars; however, not all antique cars are vintage cars. Ask your agent at Rising Star Insurance in Saint Paul, MN if you have any questions.

The good news is that even if an antique car has a high replacement value, the fact that it is infrequently driven can keep the insurance premiums at a very modest level. Antique vehicles are typically stored in a garage and continued to be restored, rather than spending much time on the road.

If you own an antique car or are planning to buy one, contact your agent Rising Star Insurance, serving Saint Paul, MN, and the surrounding area, to get a quote for new coverage or to upgrade existing coverage. Our agents are waiting to help you get started.

3 Reasons to Rethink Your Auto Insurance

Your auto insurance probably doesn’t cross your mind on an average day. With all the things going on, it makes sense that you’d push it to the side for practically any other subject matter. However, this kind of thinking could very well get you into more trouble than you think. See why Rising Star Insurance wants you to rethink your auto insurance. 

It’s Linked to Your Independence 

  • Your car is your transportation to many important things in your life, such as work and school. Saint Paul, MN certainly has public transportation, but it’s not going to be as convenient as having your own car. If you don’t have enough auto insurance coverage to fix it up after a bad wreck, your whole lifestyle may have to change. You may feel like you’ve lost the option to choose how you get around. 

It’s Always Changing 

  • Your car, your location, your lifestyle: it can all change in a heartbeat, and your auto insurance has to change with it. If you add a fancy stereo system to your car, move to a new city, or start using it for your job, you need to call your insurance company to let them know. 

It’s Not All the Same 

  • Not every insurance carrier is the same, and it’s time you find out why. If you live in Saint Paul, MN, then call Rising Star Insurance to see how we’re different. We take the time to answer your questions and to work on your behalf to help you make the best possible decisions. Whether you choose to buy more coverage or stick with your current levels, we want you to feel completely confident and prepared in your choices. Call us today to see how we can help!