Compare Minnesota Car Insurance

Compare Minnesota car insurance and save a small fortune on your annual vehicle insurance. No driver wants to spend more than they need to on their annual rates. And, fortunately, you don't have to. Take advantage of our online search where you will have instant connection to a number of providers across the state of Minnesota. You can find exactly what you are looking for and drive away with a discount on your coverage in a matter of a few minutes!

Compare Minnesota Auto Insurance Options

One of the first things you need to consider when you compare car insurance in Minnesota is the level of coverage required. Minnesota residents will need to purchase at least $30,000 of bodily injury liability per person up to a total of $60,000 per accident and $10,000 of property damage liability. You will also need to purchase $25,000 uninsured/under insured motorist coverage per person up to a total of $50,000 per accident. This is the basic coverage plan and is often referred to as 30/60/10 with 25/50 UM limits. State law also requires their drivers to include $40,000 of personal injury protection (PIP). PIP will pay for the medical related expenses incurred in a car accident, including loss of income, rehabilitation and surgery costs.

When you compare car insurance in Minnesota to several other states, MN has a rather comprehensive basic coverage plan with much higher limits. However, it is important to understand that driving in Minnesota comes with a number of hazards due to the road conditions, erratic weather and dangerous drivers. In 2008, 455 people died on Minnesota highways and 33,379 were injured due to car accidents. There were almost 80,000 car accidents, many of which did not result in a serious injury. Speed, driver inattention, chemical impairment and over correcting were some of the main reasons for the number of accidents on the roads. However, poor weather conditions and road works also contribute to several accidents. Out of the 4.8 million motor vehicles registered in MN, there were 79,095 traffic crashes[1]. Even if you consider yourself an excellent driver, you never know what could be coming around the corner.

In addition to the basic coverage, you may want to compare Minnesota car insurance coverage options and invest in additional car insurance depending on what you drive, where you live and how much you drive. Roadside assistance is a good idea which will pay for towing expenses in the event of a breakdown or a crash. Loss of use coverage is another good option which will pay for a rental car hire if your car is un-drivable. This is especially important if you depend on your vehicle on a regular basis.

Compare Minnesota Vehicle Insurance Regulations

Minnesota follows a No-Fault system which means that every driver is responsible for his/her own coverage, regardless of whether they are at fault or not. Many states follow the No Fault system while many others choose to operate under a Tort system (which means the driver at fault for the accident is responsible for the costs involved). When you compare the two different systems, you will notice that many states with a No Fault system, will include higher limits and coverage extras on top of the basic coverage plan. After all, it is better to be safe rather than sorry, especially when it comes to your financial future and your safety on the road.

The amount of car insurance you choose when you compare car insurance in Minnesota will depend on your specific driving needs. Consider and compare where you are in your life - are you single, married or divorced? Do you have one vehicle or three cars? Do you live in a rural area or a main city? Do you have children to support, a mortgage to pay? Are you gearing up to enter college or to leave the workforce and enter retirement? All of these questions will impact your policy limits and coverage needs when you compare Minnesota automobile insurance.

Compare Car Insurance Quotes

When you compare car insurance in Minnesota in terms of rates, you are giving yourself the best opportunity to compare and save on your annual coverage. Why pay more than you need to on a service that you hope never to use? Be sure to compare both the premium as well as the deductible rate when you compare Minnesota car insurance prices. By opting for a higher deductible you could automatically lower your premium. Your deductible, also known as your excess, is the amount you pay only if you need to make a claim. To lower your annual premium (the amount you pay for continuous coverage), compare and consider boosting your deductible limit. Play around with the coverage limits and options to find the most suitable insurance quote for your specific needs.

[1] http://www.mnsafedriving.com/minnesota_crash_stats1.htm 11/15/2010