Car InsuranceCar insurance is protection. When you enter into a contract with an insurance company, they agree to protect you from financial losses resulting from an accident, theft, liability, damage, or medical treatment, in exchange for your payment of a premium.

While liability insurance is legally required to drive a vehicle on public roads in MN, there are many additional coverage options you may want to consider. Carney Insurance agents will help you determine what’s needed, then find the best policy available from up to 50 insurance companies.

That’s how you save time, money, & hassle with Carney Insurance Services.




Auto Liability Coverage – Pays for damages to another party when you are at fault.
Comprehensive CoveragePays for physical damage to a vehicle caused by something other than a collision, like weather damage or vandalism.
Collision Coverage – Pays for physical damage to a vehicle from a collision with another vehicle or object.
Personal Injury Protection – 1st party coverage for medical expenses and loss of income. PIP is mandated in MN and is sometimes referred to as no-fault coverage.
Roadside Assistance – Often covers fuel delivery, jump starts, or towing expenses.
Rental Reimbursement – Pays to rent a vehicle when your car is not usable due to a covered loss.
Gap Coverage – Pays the difference between your vehicle’s actual cash value and the balance on your loan / lease, if your car is totaled.
New Car Replacement – On newer vehicles,  if your new car is totaled, you’ll receive enough to purchase another new car, not a used alternative.
Uninsured / Underinsured Liability – Pays for uncovered expenses that you would normally be owed if you’re involved in an accident with an uninsured or underinsured driver.
And more


Multi-policySave by bundling your policies together with one insurance company.
Multi-carSave by insuring multiple cars on one policy.
HomeownerSimply owning a home can save you money.
Accident-freeSave with a clean driving record.
Safety featuresSave with anti-theft and safety features like lane departure assistance.
Good studentYoung drivers with a 3.0 GPA qualify.
Snapshot / Telemetry DevicesGet a personalized rate based on your driving habits.
PaperlessSave by having your documents delivered electronically.
Pay in fullPay your premium in one payment and save up to 5%.
And more



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Save Time, Money, and Hassle on Car Insurance

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