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Minnesota Car Insurance

Minnesota, as many people know, has really bad winters and sometimes, there are accidents that are completely unavoidable. That's why Minnesota has a higher car insurance quote than some other states.  There are four things that Minnesota requires you to have in the way of insurance; personal injury protection, liability, under insured motorists and uninsured motorists. The following are the legal minimums that you have to have to drive in Minnesota:

   1. $40,000 in personal injury protection

As for liability goes, these are the minimum amounts required:

   1. $30,000 for injury to one person
   2. $60,000 for injury to two or more people
   3. $10,000 for property damage

Insurance for under insured and uninsured are also required in the following amounts;

   1. $25,000 for injuries to one person
   2. $50,000 for injuries to two or more people

Something more to consider is that if you owe money on a car, the lien holder may charge you "forced insurance", which is legal, for collision and comprehensive damage. This is extremely expensive insurance. Ask your agent about it when you get your car insurance quote.

The Minnesota Department of Motor Vehicles suggests these easy types when you are looking for a car insurance quote:

Talk to more than one agency and insurance dealer. if you only talk to one then how are you to know if you are getting a good deal or not?

Comparison shop. Give many examples that you feel comfortable with and ask about all of them. That way you have a better idea of what you can afford.

Ask about discounts. Many agencies offer discounts for good driving records, good credit scores, good grades, senior discounts, low mileage, and multiple car discounts.

Increase your deductibles. The higher your deductible is the lower your premium will be. For instance if you have a deductible of $500 then you can lower your premium by as much as forty percent.

Don't over insure a car. If you are driving an older car with higher miles, there is no need to give it full coverage insurance. You only need the minimum. You will be wasting money to insure your car for more than it's value.

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Minnesota Car Insurance

Although Minneapolis, Saint Paul, Rochester, Duluth, and Bloomington are the biggest cities in Minnesota cheap car insurance rates vary from city to city and rates in Plymouth may or may not be different than Brooklyn Park. Whether you live in Eagan, Eden Prairie, West Coon Rapids or some other city in Minnesota take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Minnesota.


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