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Car Insurance In Minnesota

Buying car insurance is always a tedious task, but some extra effort researching prices and coverage levels before settling on an insurance company can save you a lot of trouble in the long run.  There are many factors to take into account; one of the most important of these is the specific set of coverage rules for your particular state.  Minnesota law dictates that you hold certain minimum coverage levels in different categories.  Failure to comply with these laws put a driver in a very dangerous position every time he gets behind the wheel.

Minnesota’s Minimum Coverage Levels

When researching car insurance quotes, you will be asked to enter the coverage level you want in different categories.  Drivers in Minnesota are required to hold insurance with the following minimum coverage levels:

  • Personal Injury: $40,000 per person per accident
  • Liability: $30,000 (one person's injuries)
  • Personal Injury: $60,000 (two or more people's injuries)
  • Liability: $10,000 (physical damage to other vehicle/property)
  • Uninsured: $25,000 (one person's injuries)
  • and Underinsured: $50,000 (two or more people's injuries)   
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Double-check your minimum coverage levels!  An accident with coverage below the state minimum will cost your far more than the few dollars you might save by skimping on insurance.  Of course, you can always increase your coverage levels to improve your protection for greater peace of mind.

Guide To Lower Payments

There are a few ways to lower your monthly car insurance payment. In Minnesota, it is particularly important to check into those options, since coverage generally costs significantly more than in neighboring states. Most companies offer discounts for a number of different reasons, and Minnesota law actually requires companies to give discounts if a customer has anti-theft equipment installed or has taken certain driving education courses. The best way to get the lowest payment possible, however, is to compare costs before signing on the dotted line. 

There are about two hundred companies competing to offer auto insurance in Minnesota, although some of them may not provide coverage in your specific region. Take the time to look into all the companies offering policies in your area before selecting one.

Although buying car insurance may not be your idea of a good time, the responsible course of action is to take the time to research Minnesota’s car insurance law, compare quotes from as many companies as possible, and look into the possibility of discounts based on different factors.  Your diligence is sure to pay off in the long run.

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