Auto Insurance That Has You Covered

Auto Insurance 

From accidents caused by slippery roadways to parking lot fender benders, the risks facing SD drivers are many. We routinely provide motorists in Sioux Falls, Brandon, Tea, and the surrounding areas with comprehensive auto insurance.

At McKinneyOlson Insurance, we take a consultative approach to insurance. Whether a new teen driver or seasoned veteran, we work with our clients one-on-one to determine needs and exposures en route to the right policy.

Liability Coverage, Collision Coverage, Accident Forgiveness and More

By working closely with our clients to identify risks, we are able to match them with the right coverages. In addition to insurance for motorcycles, classic cars, high-performance cars, and non-standard cars, we also offer traditional products such as:

Keeping Our Clients Protected

At McKinneyOlson Insurance, we take your auto insurance seriously and will ask all the important questions to ensure that the right policy is in place. We are dedicated to providing exceptional customer service and always have our customer’s best interest in mind. We are there to answer any of your questions or concerns.

Contact us at your convenience to learn more about our products and services for drivers.

Liability Coverage

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with McKinneyOlson Insurance today for more information about what Liability Coverage can do for you.

Comprehensive Coverage

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from McKinneyOlson Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At McKinneyOlson Insurance, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

  • Theft or Larceny
  • Vandalism and Glass Breakage
  • Fire Damage
  • Hail, Water, or Flood Damage
  • Hitting a Deer or Other Animal
  • Damage from Falling or Flying Objects

Other Non-Collision Related Services

In addition to Comprehensive, McKinneyOlson Insurance also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.

  • Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
  • Diminishing Deductiblecommends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.
Collision Coverage

Bumper-to-Bumper Protection for Your Auto.

For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from McKinneyOlson Insurance, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.

How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from McKinneyOlson Insurance can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

  • Diminishing Deductiblerewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
  • GAP Coveragepicks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
  • Accident Forgivenessensures that your rates won’t increase because of a single accident.

Contact McKinneyOlson Insurance today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

Uninsured & Underinsured Motorist Coverage

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact McKinneyOlson Insurance to find out how you can be prepared for any situation on the road.

Minor Violation Forgiveness

Everyone Deserves Another Chance.

We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation without the right coverage, that one minor violation could affect your good driving record.

At McKinneyOlson Insurance, we can help you receive a proper coverage option, like Minor Violation Forgiveness, that allows you to avoid accidental points on your license.

With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll be prepared with the assurance that your rates won’t increase. Like Accident Forgiveness, this applies only once per policy, and the coverage renews after three years of the most recent minor violation.

To find out more about how you can protect your reputation as a safe driver, contact McKinneyOlson Insurance today.

24-Hour Customer Service

Round-the-Clock Service for Your Convenience.

At McKinneyOlson Insurance, we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance.

For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.

Towing

Help When You Need It Most.

Your car gives you the freedom to take on the open road. Whether you’re enjoying the scenic countryside or driving to your favorite vacation spot, your adventures can be more enjoyable knowing that help is right around the corner with the convenience of Towing services.

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding optional Towing coverage from McKinneyOlson Insurance to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.

In addition to our Towing coverage, McKinneyOlson Insurance also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative with McKinneyOlson Insurance today for more information.

Rental Reimbursement

Get Back On the Road Faster.

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, McKinneyOlson Insurance offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with an insurance specialist from McKinneyOlson Insurance to make sure you know what’s covered and to see if you qualify for this additional service.

Personal Injury Protection (PIP)

Coverage that Helps You Get Well.

At McKinneyOlson Insurance, we know that the safety and well being of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, we’re here to help prepare you for insuring any injuries to you or a family member as a result of an auto accident.

With Personal Injury Coverage from McKinneyOlson Insurance, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills.

Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from McKinneyOlson Insurance.

Medical Payments Coverage

You Can’t Put a Price on Safety.

When it comes to the safety and security of you and your family, nothing should be left to chance. If you or your loved ones get involved in a car accident, your number one priority should be to make sure everyone receives the care and treatment they need – at a cost that keeps your finances and savings intact.

Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.

After identifying the appropriate coverages, we turn to reputable carriers for the best price and policy. To get started, request a quote.

Keeping Our Clients Protected

At McKinneyOlson Insurance, we take your auto insurance seriously and will ask all the important questions to ensure that the right policy is in place. We are dedicated to providing exceptional customer service and always have our customer’s best interest in mind. We are there to answer any of your questions or concerns.

Contact us at your convenience to learn more about our products and services for drivers.