Nicole Johnson Agency

Full Service Insurance with a Hometown Agent

Auto Insurance

Auto insurance is required if you own a vehicle and plan to drive it.
Auto insurance can protect you from the financial costs of an accident or injury,
but you need to have the proper coverage.

Who needs auto insurance?

  • If you own and drive a vehicle, you are required to have at least liability coverage.
  • You have a car loan, the bank will require you to have full coverage.
  • If you have a car stored and still want coverage if there was a loss.

What is covered in auto insurance?

  • Liability helps cover injury and property damage expenses that occur when you are at-fault in an accident.
  • Personal Injury Protection provides coverage if you are injured in an accident.
  • Uninsured helps pays for your medical expenses when the other driver is at-fault in an accident and does not have insurance.
  • Underinsured pays for medical claims of people covered by your policy when the other driver is at-fault and does not have enough liability coverage.
  • Optional Coverage includes:
  • Collision – Covers damage to your vehicle when in an accident.
  • Comprehensive covers loss that is not the result of a collision.
  • Full glass replacement
  • Towing / Roadside Assistance

How much coverage do I need?

  • Your policy will only cover the limits in the policy. Having the correct coverage is important and we can help you determine what is best for your situation.
  • Every person in the household who will be driving a vehicle will need to be on the policy.

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Nicole Johnson
17 Center Street E.
Harmony, MN 55939

507-886-4663 Email
Nicole Johnson Agency
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