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Car Insurance

Buying car insurance is made fast, simple, and affordable with Dufault Insurance Agency. We are the area’s leading auto insurance agent, offering competitive packages at highly affordable price points. We help our clients save money and take the stress out of the equation, providing exceptional customer support every step of the way.

Ready to get started? Call us now at (218) 773-2480 to book a consultation with a member of our team today.

Find the Right Car Insurance with Dufault Insurance Agency

As a car insurance company, we are committed to developing personalized solutions for each client. We’re not interested in selling you more than what you need. What we want is to help you find the best plan based on your precise needs and circumstances.

With that in mind, we offer a wide range of insurance plans from several different providers. By joining our network of customers, you’ll be able to enjoy greater purchasing power and more advantageous product options, including:

  • Liability insurance
  • Personal injury protection
  • Protection against uninsured motorists
  • Collision coverage
  • Supplemental coverage (e.g., in case of theft, vandalism, or natural disaster)
  • And more!

Whatever you’re looking for, you can trust our team to find a solution that fits your needs and budget. Get in touch with us now to see for yourself.

Shop the Most Competitive Car Insurance Plans Available

Choosing us as your insurance agent offers many advantages, but the defining one is simple:

Value.

Ultimately, using our services saves you money. As an independent insurance agent, we shop various coverage plans from different insurance providers, making sure we offer our clients a large number of policy options. By doing so, we allow you to compare different products and packages and find the best one for your budget. More choice—more money for you.

Vehicle Insurance Agents Committed to Client Satisfaction

We are an experienced team of agents committed to helping our clients obtain quality insurance at an affordable price. That commitment is at the heart of everything we do. We provide compassionate customer support, open communication, and friendly professional advice, ensuring that every one of our clients gets the care and attention they deserve.

Whether you need a new car insurance plan, or you’d like help making a claim, our team is always happy to guide you through the process. From start to finish, we handle everything seamlessly so that you never have to stress about it.

We strive to help our clients before, during, and after we’ve found them an insurance plan. We are always happy to address any questions or concerns they may have, including after they’ve signed onto a policy. For us, insurance isn’t just about making a sale. It’s about keeping our community safe.

Auto Insurance

Protecting you on the road.

Car and truck insurance to suit your lifestyle.

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.

Insurance for the vehicle you rely on daily.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

What is the minimum required coverage?

Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

Bodily Injury Liability Coverage

Risk Factor

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.

Solution

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.

Property Damage Coverage

Risk Factor

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.

Solution

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.

Medical Payments Coverage and Personal Injury Protection

Risk Factor

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.

Solution

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.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

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.

Solution

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.

Physical Damage Coverage

Risk Factor

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.

Solution

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.

Rental Coverage / Loss of Use

Risk Factor

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.

Solution

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.

Take your auto policy further with beneficial add-ons.

Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn't involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.

Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you're putting yourself, your family, and others at risk.

For Comprehensive Car Insurance, Trust Our Team

Get in Touch Today

For top-quality advice from experienced car insurance agents, look no further than Dufault Insurance Agency. We’re here to lay out your insurance options and find you the best plan—at the best price.

Contact us today to schedule a no-obligation consultation.

Contact us now to get a free estimate
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