North Star Auto Insurance for the Midwest

North Star Mutual Insurance Company has been serving midwestern residents’ auto insurance needs since 1920. Their home office is located in Cottonwood, Minnesota, though they service residents in North Dakota, Nebraska, Oklahoma, Iowa and South Dakota, as well as those in Minnesota.

Their financial security rating is A+ superior, one away from being the most secure, according to A.M. Best’s ratings service. From 2004 to 2009, they were selected by the Ward Group as a top 50 property and casualty company. North Star covers not only automobiles, but also farms, homes and businesses.

North Star Personal Automobile Insurance

North Star provides auto insurance coverage for cars, trucks, vans, antique cars, motor homes and tractor trailers. Their policies provide the following benefits to the policy holder:

• Bodily Injury: This protects the policyholder if he or a family member is considered legally responsible for personal harm to another person in an automobile accident.
• Property Damage: This protects the policy holder in the case of damage by him or a family member to another person’s property as a result of an automobile accident.
• Medical Payments (only in South Dakota and Nebraska): This pays for medical expenses resulting from an automobile accident for the policyholder, family member and passengers.
• Personal Injury (only in Minnesota and North Dakota): This pays benefits to each injured person (if eligible) for injuries, loss of income, or death of a family member, if caused by an automobile accident.

The following coverage add-ons are optional and may accordingly cost more:

• Collision coverage
• Comprehensive coverage
• Coverage against uninsured or underinsured motorists
• Rental reimbursement
• Towing and labor coverage
• Customization coverage

North Star Insurance may provides an auto insurance discount for the following reasons:

• Anti-theft equipment
• Multiple cars covered
• Good student
• Passive restraint
• Defensive driving certification
• Companion policy (home, business, farm is insured with North Star as well)

All things considered, North Star has pretty good benefits for policyholders in the states who can take advantage of their medical payments and personal injury benefits. Other than that, the discounts and add-ons are pretty run-of-the-mill, though pricing may give them an edge over competitors.

North Star Commercial Automobile Insurance

The company’s commercial auto insurance policies offer the same benefits, though the discounts are slightly scaled back. They offer the following additional coverage options for commercial vehicles:

• Stated amount value coverage
• Specified cause of loss options
• Coverage for hired and non-owners
• Drive other car coverage

They state that other options are available upon request for commercial vehicles. Their commercial add-ons are worth purchasing, especially the hired and non-owner coverage, which is useful, if not necessary, for most businesses.

North Star Insurance is very up-front about the legal notices regarding insurance. They list auto insurance laws by state on their website. This is helpful if you want to be informed. They also allow policyholders to make payments online, by clicking the “Make A Payment” option on their site.

North Star Auto Insurance appears fairly trustworthy, dependable and decent, though their services for automobile owners may not be anything extraordinary.