Auto Insurance
Personal auto, motorcycle, classic and RV. Multi-car households get a real discount, not a marketing-line one.
Auto coverage →Independent insurance · Minnesota
Dayton Insurance Agency provides auto, home, life, and business coverage for families and small businesses across Minnesota. As an independent broker, we take the time to understand your situation — and find the coverage that actually fits.
Types of Coverage
As an independent agency, we work with multiple insurance companies to best serve your needs and your budget. We shop across the carriers that fit your situation and recommend the coverage that makes the most sense for you.
Personal auto, motorcycle, classic and RV. Multi-car households get a real discount, not a marketing-line one.
Auto coverage →HO-3 for Minnesota homeowners, HO-6 for condos and townhomes, renters for everyone in between. Tailored to the property you own.
Home coverage →General liability, BOP, workers comp and commercial property. Minnesota small businesses are my bread and butter.
Business coverage →For-hire trucking, motor carrier auto liability, cargo and physical damage. New ventures and established fleets both welcome.
Trucking coverage →Term, whole and final expense. Honest conversations about what you actually need — not pressure to buy more.
Life coverage →If you launch on the St. Croix or the Mississippi, we should talk before Memorial Day. Limited-time inland marine rates each spring.
Boat coverage →About Dayton Insurance
Dayton Insurance Agency was built on a simple belief: working with a local independent agency should feel different from calling a 1-800 number. We take the time to understand your coverage, check in at renewal, and stay genuinely available when something comes up.
When you call (651) 243-0056, you'll reach someone who knows your policy and can actually help — not a call center routing you through a queue. From your first quote to every renewal after, you'll have a real relationship with an agency that looks out for you.
"Our goal is straightforward: when something goes wrong — and at some point, something will — we want you to be covered exactly the way you expected."
Dayton Insurance Agency · Saint Paul, MN
Frequently asked
Yes. Filing a claim can be stressful, and having someone familiar with your policy makes it easier. We'll walk you through what to document, who to contact at the carrier, and what to expect from the timeline. We're not the adjuster, but we're in your corner throughout.
Most quotes come back within 24 business hours. For auto and renters, often the same day. Commercial accounts and trucking can take 2 to 3 days depending on the carrier.
Bring your current declarations page (dec page) to the call. I'll quote across multiple carriers and walk you through what's the same, what's different, and where you'd save or pay more. There's no fee for the comparison and zero pressure to switch.
All consultations are virtual — phone, Zoom or Google Meet, whichever you prefer. Pick a time on the booking page and you'll receive a calendar invite with a meeting link or call-in number.
Yes. Most carriers will pro-rate the unused portion of your premium and refund it. The only catch is timing — switching in the middle of a renewal cycle can sometimes interrupt loyalty discounts, so it's worth running the numbers on the call before you make the move.
Ready when you are
Pick a time and I'll review your current coverage, identify gaps or overpayments, and tell you honestly whether I can save you money. If I can't help, I'll tell you. If I can, you'll know within the call.