Watch Out for Card Skimmers

Posted on August 29, 2025August 23, 2025 by admin

If you are a Minnesota driver, you are required by law to carry auto insurance. Many drivers have questions about selecting the right auto insurance policy. If you live near Eagan, MN, our team at F.I.R.E. Leaders Financial can help you choose a policy that fits your needs. We have been assisting Minnesota drivers like you since 2022.

Watch Out for Card Skimmers

We want our clients to be aware of potential risks they may encounter while driving. In addition to following the rules of the road, today’s drivers face other challenges, such as credit card fraud. According to the Minnesota Commerce Department, law enforcement officers have reported an increase in card skimmers at some Minnesota gas pumps. Card skimmers are electronic devices implanted into credit card readers or inside gas pumps to steal credit card data and transmit it to criminals.

When these devices are installed, there are often visible signs of tampering. Inspect the credit card entry portal of gas pumps you use and report any irregularities to the gas station attendant. The Minnesota Commerce Department notes that pumps furthest from the attendant’s view are most often targeted. However, any pump or credit card device can be skimmed, so always remain vigilant.

Call Us for an Appointment Today

Don’t take chances by driving without car insurance. Our team at F.I.R.E. Leaders Financial offers a wide range of policy options to help you find one that meets your needs. Drivers in the Eagan, MN, area trust us for reliable insurance information and excellent service. Contact us today to schedule an appointment and discuss your insurance needs.

Do You Need Auto Insurance For Company Vehicles?

Posted on January 31, 2025January 29, 2025 by admin

Running a business involves various types of insurance. A comprehensive commercial insurance policy is a necessity for many companies, covering aspects such as worker compensation and common natural disasters. However, it’s crucial to understand whether your company vehicles require auto insurance.

Understanding Commercial Insurance Coverage

Most businesses in Eagan, MN, have commercial insurance that covers only the building and property. Some policies may cover vehicle damage under specific circumstances, such as floods or vandalism. However, this insurance does not extend to vehicles once they leave the premises or are in use. Some commercial insurance policies explicitly exclude vehicles. Therefore, it is essential to consult with an agent at F.I.R.E. Leaders Financial to understand what your policy covers.

The Need for Auto Insurance

Companies that own vehicles must have commercial auto insurance. This coverage protects businesses during accidents involving company vehicles used for business purposes or in situations where the other driver is uninsured. Commercial auto insurance may also be necessary if your employees use their personal cars for work-related tasks, as this often falls under the employer’s responsibility.

Legal Requirements for Coverage

Auto insurance laws vary from state to state, with many requiring minimum liability insurance. This type of insurance covers damage and medical expenses for the other party involved in an accident. However, comprehensive and collision coverage can be added to commercial vehicles. A professional at F.I.R.E. Leaders Financial serving the Eagan, MN area can help you understand local laws and regulations.

We understand that navigating insurance options and legal requirements can be challenging. Contact us today to learn whether you need auto insurance for your commercial vehicles.

Coverage you may want to have on your vehicle

Posted on June 28, 2024June 25, 2024 by admin

Residents of Eagan, MN, have options regarding auto insurance. Our team of independent insurance agents at F.I.R.E. Leaders Financial ensures they have the necessary information to choose the right auto insurance. While basic auto insurance may be suitable for some, it may not fit others. Basic liability coverage won’t suffice if you have an auto loan or lease.

Collision

Collision coverage safeguards your vehicle in the event of an accident that you’re responsible for or a hit-and-run. It is a necessity for a loaned or leased vehicle and provides for the repair or replacement of your vehicle.

Comprehensive

Comprehensive coverage applies to incidents damaging your vehicle that are outside of your control. It safeguards you against flooding, hail, powerful winds, deer, vandalism, and theft. This insurance is also essential for leased cars or vehicles under a loan.

Gap coverage

If you have a brand new vehicle and a loan, you may discover that the payout from your collision coverage might not be sufficient to settle your loan if your vehicle is totaled. Gap insurance caters to this difference.

Full glass

Comprehensive coverage copes with repairs or replacements of your glass, although a deductible applies. With full glass coverage, you won’t have to pay any deductible.

Roadside service

Roadside service coverage is a comforting reassurance. It provides towing when necessary. You can obtain services like jump-starting your vehicle, inflating your tire, or opening your vehicle if locked. This coverage replaces the need for auto club coverage.

Rental car

If your car is under repair in a garage due to damage or your vehicle is totaled, you will need an alternate vehicle to drive until you can retrieve yours. This coverage addresses that need.

Buying Auto Insurance for the First Time: What to Expect

Posted on November 17, 2023November 28, 2023 by admin

Whether you’re an Eegan, MN resident and you just bought your first car, and you need to insure it, or you’ve never purchased car insurance for another reason, the first time doing so can seem daunting. However, buying auto insurance in or around Eegan, MN doesn’t have to be scary or overwhelming.

Here is a brief overview of what to expect when buying auto insurance for the first time:

Gather All the Necessary Information

You will need various documents in order to buy an auto insurance policy. These documents will consist of your driver’s license and the paperwork regarding the sale of the car.

Obtain Quotes

Since you don’t want to make a hasty decision and obtain insurance from the first agency you contact, make sure to call several. You can then make a decision based on rates, coverage, and types of insurance offered, and only then can you make a final decision as to which company you plan to purchase a policy from.

Start Your Policy

Once you’ve decided which insurance agency you like best, you will choose the specific coverage you prefer, pay your premium, and sign your paperwork, if you do things in person. You also have the option of purchasing a new policy online as well as over the phone. Once everything has been finalized, the insurance company can email or fax an immediate copy of your insurance, so you’ll have proof of insurance. You’ll need to carry this in the vehicle at all times.

We Are Here To Help

As you can see, the process of starting an insurance policy is pretty straightforward. At F.I.R.E Leaders Financial, we try to make the process as easy as possible, whether you’re a first-timer or a seasoned driver. We have been providing top-notch service and affordable rates to our customers at F.I.R.E Leaders Financial for years, and we’re prepared to do the same for you. Call us today for a quote.

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Category: Auto Insurance

Watch Out for Card Skimmers

Watch Out for Card Skimmers

Call Us for an Appointment Today

Do You Need Auto Insurance For Company Vehicles?

Understanding Commercial Insurance Coverage

The Need for Auto Insurance

Legal Requirements for Coverage

Coverage you may want to have on your vehicle

Collision

Comprehensive

Gap coverage

Full glass

Roadside service

Rental car

Buying Auto Insurance for the First Time: What to Expect