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Committed to Serving You While Keeping Our "Social Distance" - COVID-19 Message

Our nation has been trying its best to stop COVID -19 from spreading in our communities.  Not knowing what will happen in the next few weeks and months leaves us all with questions.   In order to keep all of us as safe and healthy as possible, we are going to maintain contact with you via phone, email and regular mail service as needed.  We are not scheduling in-office or face-to-face meetings.

At this time, Dan, Wanda and Gwen are in the office Monday through Friday 9-5pm daily.  We are responding to all calls and emails in a timely manner.  Just know, we can also work remotely and will be able to respond to any needs in the event of a full office closure.  Should you need to make a payment or a policy change, please reach out to us directly at 651-264-1230.  The Contact Us tab at the top of the website has all of our emails as well. 

If it is after hours and you have a claim to report, calling your carrier directly would be a faster response.  This is a great time to make sure you have your insurance carrier's MOBILE app as well.  Here is the carrier link page.  https://www.lancetteagency.com/links.aspx

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Home > Auto Insurance - Minneapolis, St Paul, Minnesota

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Auto Insurance

Minneapolis, St. Paul, Minnesota

Auto insurance coverage is required by law in Minnesota, and for good reason. With everything from adverse weather to heavily traveled roads, dangers abound for drivers across the state. Lancette Agency, LLC has years of insurance experience and relationships with multiple carriers, in order to help find the best policy for your needs and your wallet.

What Is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.<

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why Do You Need Auto Insurance?

It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
  • Questions To Ask Your Agent

    Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

    • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
    • What is the insurance company's level of service and ability to pay claims?
    • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
    • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
    • Auto Owners Insurance
    • AAA
    • Selective Insurance
    • West Bend Insurance
    • Progressive Insurance
    • Dairyland Insurance
    Local: (651) 264-1230|Fax: (651) 264-1233 1322 Helmo Ave N|St Paul, MN 55128
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