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All About Minnesota Auto Insurance
Do you reside in Minnesota and own a car? Well, you will require car insurance, however, before everything you need to consider that Minnesota is a no-fault state. Therefore, it is evident that your insurance will provide coverage for medical bills and lost wages in case you face an accident.
But you cannot sue for any pain, or property damage or ask for any suffering compensation. The good thing is that it can be done without any complications.
To clarify this, here is an example that you can consider. Let’s say that you had a car accident and happened because of the other party. For the medical bill, you are due $4000 with 60 days of permanent injury and disability. You can file a case of personal injury against the faulty driver if anything like this happens.
We are here to help you with every type of insurance coverage which includes car insurance in Minnesota. Whether you want it on a specific budget or with some additional coverage, we are here to assist you in the best way possible. All you need to do is fill out a short form or give us a call at 952-222-8073. We are happy to assist you!
Minnesota Car Insurance Information
- Bodily Injury Liability (BIL)
When the insured is at fault, the Bodily Injury Liability covers the medical expenses of the other party involved in the accident.
- Property Damage Liability (PDL)
When you include property damage liability in your insurance, you need to have a minimum of $10,000. If you are in an accident caused by you, the PDL helps to cover the other vehicle’s repair or replacement.
Note: BIL or PDL do not cover the expenses of the driver who is at fault.
- Personal Injury Protection (PIP)
A minimum amount of $40,000 is a primary requirement for PIP. This will help in covering the other party’s medical costs, lost wages, and expenses. However, given that the other party isn’t responsible for the accident.
PIP offers coverage to the family members who live with you but don’t have car insurance. Besides, it also covers whoever borrows your car. However, do remember that you will only have six months to file a claim for PIP coverage post-accident.
There are also specific rules for uninsured and underinsured motorists in Minnesota. The minimum requirement is $25,000 per person and $50,000 per accident. In case you are involved in an accident where the other party does not have insurance or a gas-limited one, PIP helps to cover the medical bills. Also, remember that this type of coverage does not include damage to the insured cars or property and is strictly for medical bills.
Now, the state of Minnesota has not made it mandatory for people to have collision or comprehensive insurance. But in many cases, you will see that the leasing companies will insist on including them in your insurance. Although they are optional, we will still recommend you include them for extra safety.
If you still have some doubts and need to clear them before opting for the right car insurance, you can reach out to us at 952-222-8073. Not only our agents will help you understand the A to Z of Minnesota Car Insurance but also help with getting the top three quotes from the best insurance companies.
Top Cities Where We Provide Auto Insurance in Minnesota
- Minneapolis
- Plymouth
- Saint Paul
- Rochester
- Bloomington
- Duluth
- Coon Rapids
- Woodbury
- Lakeville
- Blaine
- Maple Grove
- Clous
- Eagan
- Brooklyn Park
- Burnsville and many others
What’s the Average Cost of Car Insurance in Minnesota?
- Average of Full coverage- $2447 per year
- Average of Minimum coverage- $679 per year
- Factors affecting cost- Driving history, vehicle type, coverage selection, specific location in the state
We make sure that your precious time is saved in the entire process of getting the right car insurance in Minnesota. After submitting a short form with essential information and additional requirements, we will do the rest of the work. It includes getting quotes from the top insurance providers in Minnesota and presenting you with the most suitable one. Kindly note that all your information is safe with us and you will not receive any spam calls from other insurance companies directly. we will be your only point-of-interaction in getting the car insurance in Minnesota.
How to Choose the Right Auto Insurance in Minnesota?
The process of finding the right auto insurance can be a little tedious. But worry not because we are here to make it easy for you.
You need to think about a few things before you decide on the final policy. It includes how often you drive the car, the value of the car, and any extras you might need. In case, you are not sure where to begin, then do not stress because we do most of your work. All you have to do is fill out a small quote form and submit it or simply call us at 952-222-8073 and tell us your needs, special requirements, and budget for this insurance. Our agent will be more than happy to assist you in any way possible. After that, we will get back to you with the top three quotes.
But do you know what is the best thing about this process? The entire thing is carried out digitally. We care about our clients and thus make sure that from the beginning of the process till the end of the payment, everything is secured. We aim to make the process of getting the right coverage as simple and stress-free as possible. Reach out to us today and secure yourself with the best car insurance!
