Auto Insurance

Alliance rewards your responsible choices with auto insurance that could help you save hundreds of dollars a year. If you are looking for outstanding service and competitive rates, we are the right choice for you. We go the extra mile to help you save money, with customized policies through our trusted partners.

Alliance Insurance Agency is the #1 Mankato auto insurance agency in the area. Give us a call today for your personalized insurance quote, and we’ll find the right package for you.

Vehicle insurance that Alliance Insurance Agency offers:
⦁ Auto
⦁ ATV/UTV
⦁ Motorcycle
⦁ RV
⦁ Snowmobile
⦁ Golf cart
⦁ Classic Car
⦁ Watercraft
⦁ Boat

ACCIDENT CHECKLIST
1. Remain at the scene. Don’t admit fault.
2. Check for injuries.
3. Move to safety.
4. Call the police.
5. Get information from other drivers.
-Full Name
-Phone Number
-Address
-Insurance Carrier and Policy Number
6. Call Alliance at 507-720-6466.

 

DISCOUNTS
Our companies offer a wide variety of discounts for auto insurance. Check your policy to see if you are saving with these discounts.

***The following discounts and guidelines may vary by company***

Multi-Vehicle – Save by insuring more than one vehicle on a single auto policy.
Multi-Policy – Save by bundling multiple lines of insurance with a single company. (Home/Auto/Umbrella)
Defensive Driver – Save by taking an approved safe driving course. May only be applicable to seniors. (Age 55 and above)
Good Student – Save by having a full-time student on your auto policy with at least a 3.0 GPA. Student may also be eligible if their class ranking or test score (SAT, ACT) is in the upper 20th percentile.
Distant Student – If you have a full-time student on your policy and they’re more than 100 miles from home, you’ll receive a discount—as long as they don’t have a vehicle while away at school.
Homeowner – Save by being a homeowner.
Safe Driving – If you have had no tickets or accidents in the past three years, you may be eligible.
Pay in Full – Save by paying for your 6-month or yearlong policy up front.
Paperless – Save by opting to receive your documents via email.

 

DEFINITIONS OF COVERAGES

Bodily Injury Liability(BI):
If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

Personal Injury Protection(PIP):
PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states.

Property Damage Liability(PD):
If an insured person is legally liable for an accident, PD coverage pays for damage to others’ property resulting from the accident. PD coverage also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

Collision:
When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle.

Comprehensive:
If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Uninsured and Underinsured Motorist:
Uninsured Motorist Coverage (UM): If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
Underinsured Motorist Coverage (UIM): If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.

Rental Reimbursement Coverage:
Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.

Loan/Lease Payoff Coverage:
Loan/Lease Payoff coverage, sometimes called “gap” coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible.

Deductible:
A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premium.