Wikstrom Insurance Agency LLC
Learn more about our agency.
Wikstrom Insurance Agency LLC is an independent insurance agency serving clients throughout Minnesota, Wisconsin, and North Dakota. 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.
What Makes Wikstrom Insurance Agency LLC Special
Here’s what sets us apart when it comes to serving your insurance needs.
“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.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
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.
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.
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. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
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 plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
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.
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.
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.
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.
Rental coverage/ loss of use 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.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.