Wikstrom Insurance Agency LLC works with you to find the right insurance solutions for your needs.
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The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
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As an independent agency, we are here to help you find the right coverage.
Wikstrom Insurance Agency LLC
Learn more about our agency.
Wikstrom Insurance Agency LLC is an independent insurance agency serving clients throughout Minnesota. We are dedicated to helping our clients with their insurance needs by representing multiple top-rated insurance carriers in order to find the right insurance at the right price to meet your needs.
We understand that insurance can sometimes seem like a long and complicated process, and that’s why we strive to make it as easy and convenient for you as we can. Our website features our Client Center, where you can find a variety of forms to help you service your insurance coverage and get the protection you need. We’re also only a call or email away, and we’re happy to help.
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Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
The Solution to Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Wikstrom Insurance Agency LLC does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
What Makes Wikstrom Insurance Agency LLC Special
Here’s what sets us apart when it comes to serving your insurance needs.
Award-Winning
In 2020, we were in the top 1% of Smart Choice’s 8,000+ agencies, earning us a Leadership Award.
Clients Love Us
We have over 50 five-star reviews thanks to our dedication to our clients and their needs.
Ease and Convenience
We have our Client Center with a variety of forms to make servicing your insurance easier.
Our Affiliations
“Very easy to work with. Always gets back to me quickly and always willing to answer any questions I might have.”
Derrick Knight
“100% would recommend Austin. Made the whole experience quick and easy. Found the best rate and always answers any questions quickly.”
Josh Symons
“Austin always gives great advice and provides information extremely quickly! He’s always one call or email away!”
Camille Miller
Real clients. Real reviews. Real coverage.
“I would 100% recommend Austin as an insurance agent. Not only did he respond in a very timely manner, he had amazingly low quotes, simple start-up, and was very easy to communicate with.”
– Brenda Schmidt
Our Clients Rave About Us
Check out our reviews and see why you should switch to Wikstrom Insurance Agency LLC.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
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