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Car Insurance

Car Insurance

Auto insurance done differently

At Schmit Insurance, we work with each client to determine their car insurance needs, then retrieve quotes from a multitude of top insurance companies to find great value.

When you upgrade to Schmit Insurance, you’ll get top-notch coverage and service from a dedicated, local professional. Contact us or request insurance quotes to get started.


Liability (Bodily Injury & Property Damage)
Physical Damage (Comprehensive & Collision)
Personal Injury Protection
Uninsured/Underinsured Motorist
Rental Reimbursement
Roadside Assistance
Loan/Lease Payoff
And much more


Personal Cars/Trucks/Vans
Commercial Vehicles
Classic Cars
Seasonal Vehicles
And many more


Multi-Policy Discount
Multi-Vehicle Discount
Education Discount
Good Student Discount
Homeowner Discount
Paid-in-full Discount
And many more

Frequently asked questions

Why would I carry more than state minimum liability limits?

While MN requires a base level of liability coverage, it’s not enough to properly protect your assets should an accident occur. The cost of medical care and vehicle values have increased over the years, meaning you can quickly exhaust your liability coverage if you choose state minimum limits. If that were to happen, you’d be responsible for any damages above and beyond your limits of coverage.

What’s the difference between comprehensive and collision?

Both comprehensive and collision cover your vehicle against physical damage but they apply to different causes of loss. Collision covers damage that results from an impact with another vehicle or object. Comprehensive covers damage from things other than collisions, including hail or vandalism.

Am I required to carry comprehensive and collision coverage?

You are not legally required to carry comprehensive or collision coverage. If, however, you have a loan on your vehicle, the bank or lender will likely require you to carry both.

Let us find you better car insurance

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