Auto Insu
rance
When you're in your car, we've got you covered!
 
Each state has specific laws that outline the types and amount of auto insurance you're required to have. Your coverage requirements might be different depending on where you live and what your personal insurance needs are. One of our agents can help you understand your insurance requirements so you can make an educated decision about the coverage levels and deductibles you want.

Here are the minimum auto insurance limits for Minnesota: 
 
 
 
Call us today for a free 
 car auto automobile insurance quote
 (952) 473-2110
  
 
Here are some of the car auto insurance discounts that you might 
be eligible for ... ask us about them. They can really add up!

Passive  restraint discount 
If your car came from the factory with airbags and motorized seatbelts, you could save up to 30%.  

Anti-lock brake discount
When your car is equipped with anti-lock brakes, you'll score a 10% discount.  

Anti-theft device discount
Secure more savings with an anti-theft device in your car—up to 10%.  

New car discount
Save up to 30% if you're the first owner of the vehicle or if your car is only two years old.  

Economy car discount
You could save some green for driving green. Insuring an economy car could help you earn up to a 10% off your premium.  

Utility discount
Save up to 15% when you own a utility vehicle with a model year of 2002 and prior.  

Farm vehicle discount
Save up to 10% when you vehicle is used primarily for farm or ranch

EZ pay plan discount
Save up to 5% on auto insurance when you set up automatic withdrawal.  

eSmart® discount  
Sign up for ePolicy—a convenient way to view all your insurance documents online—and save up to 10%.    

FullPay® discount
Save up to 10% when you pay your policy in full.  

Auto/Life Discount
Enjoy a discount on your auto insurance when you purchase a life insurance policy.  

Multiple policy discount
Save up to 10% on your auto insurance when you purchase a home or renters policy.  

Early Signing Discount®
Save up to 10% when you sign your policy seven days before it becomes effective.  

Good payer discount
Save up to 5% if you did not receive a cancellation notice for non-payment

Senior adult discount
Drivers who are at least 55 years old and not actively seeking full-time employment can save up to 10%.

55 and retired discount 
Drivers who are at least 55 years old and not actively seeking full-time employment can save up to 10%.  

Resident student discount 
Enjoy up to 35% off your premium if you have a child attending school at least 100 miles away from where your car is garaged.   

Good student discount
All those A's can add up. Single, full-time students under the age of 25 can save up to 20% for getting good grades.  

Premier discount
Save up to 22% for driving 3 years without any violations or accidents.   

Premier plus discount
Save up to 35% for driving 60 months without any violations or accidents.  

Safe drivers discount
Your safe driving habits could save you up to 45% on car insurance.  

teenSMART discount
Save up to 10% when your teen successfully completes the teenSMART driver education program.  

Defensive driver discount
Drivers who are 25 years old, have completed six or more hours of defensive driving courses and have no violations and no at-fault claims can save up to 10%.

 

MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:
Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
:
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
 
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