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The importance of car insurance

Car insurance can protect your vehicles but, most importantly, the auto liability portion covers the large amounts that can result if you’re sued for bodily injury or property damage caused to another person. With the cost of medical care at an all time high, the costs of an accident can easily reach into the hundreds of thousands. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.

Car insurance in Waconia, MN


Custom car insurance plans

Get an auto insurance plan customized to meet your needs. There are many optional coverages in addition to those required by law. We’ll help you figure out what coverage to consider, what it means, and why it’s important.

Auto Liability

Covers bodily injury and/or property damage you cause to another party with your vehicle.


Covers physical damage to your vehicle caused by a collision with another vehicle or object.


Covers physical damage to your vehicle caused by something other than a collision, like weather damage.


Covers bodily injury you sustain in an accident with a driver that has too little or no insurance.

Personal Injury Protection (PIP)

Covers the first portion of your medical expenses and lost wages, without regard to fault.

Rental Reimbursement

Covers the cost of a rental vehicle if yours is being repaired due to a covered incident.

Roadside Assistance

Covers towing, fuel delivery, and other emergency assistance if your vehicle becomes disabled on the road.

And More

There are even more optional coverages that might be right for you.

Car Insurance Agency in Waconia, MN

Outline of Minnesota, with a red star over Waconia.

We’re a independent insurance agency located in Waconia, MN. We serve the entire west metro region (Prior Lake to Norwood Young America to Delano) and the entire state of Minnesota. Stop by or contact us. We look forward to helping you understand your coverage and providing personal service, face to face.

Common questions

How does car insurance work?

Car insurance transfers risk from you to the insurance company. You pay the insurance company a premium and they agree to cover the cost of certain accidental events. For instance, auto liability covers medical expenses for people you injure in an at-fault accident. The premium paid is kept by the insurance company whether or not you experience a claim. This allows the company to cover the cost of claims that do happen.

What is “no fault” insurance?

The term “no fault” insurance in Minnesota refers to the personal injury protection coverage required by law. It doesn’t apply to property damage or liability. PIP is paid out of your own policy, regardless of who was at fault in an accident. It covers lost wages and medical expenses but only up to a limit. Expenses beyond the limit can be recovered from the liable party, which would be covered under auto liability.

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