One of the best features of Minnesota is that you will get a great drive all around the year when you are there. This is because it is an excellent destination for scenic drives and recreation. Minnesota is also known as the land of 10,000 lakes. Minneapolis’ Grand Round Scene Byway is the longest public urban pathway which is continuous. This makes it an excellent route to drive through. If you want a more scenic or relaxed drive, then the Edge of the Wilderness Byway is perfect for you. It will take you to the Chippewa National Forest through forests, lakes, and swamps. Regardless of if you are a local, driving around to visit friends or a tourist who wants to soak in the scenery of the beautiful lake state, having proper car insurance in Minnesota is very important. For that you need to make sure that you get proper car insurance quotes in Minnesota.
There are some specific requirements in terms of the minimum coverage that you need to consider when you apply for and get the best car insurance quotes in Minnesota from the best car insurance companies. I have stated below the coverage that you will need for your car in terms of insurance which is required by the state of Minnesota:
- Liability Coverage for Property Damage: minimum $15,000/-.
- Liability Coverage when it comes to Bodily Injury: minimum coverage of $30,000/- per person and minimum $60,000/- per accident.
- Bodily Injury Coverage when it comes to an Underinsured or Uninsured Motorist: You need a minimum $25,000/- per underinsured (or an uninsured person) and a minimum of $50,000 per accident.
Most of the states that are in the U.S. have minimum coverage which is on the same lines of Minnesota. This allows you to apply for car insurance and check insurance quotes that are reasonable online. We can help you identify the best auto insurance in Minnesota and provide a variety of options.
Factors that Determine Car Insurance Quotes in Minnesota
Though the state that you reside in has an important role in deciding your insurance, there are many other factors too that come into play. The main items that the insurer considers are the make and model of your car. The age of the car, your age, etc play an important part. Your insurance premium can vary depending on the number of vehicles that you decide to insure. It will also vary as per the coverage that you opt for. Many car owners prefer to opt for coverage that is much higher than the minimum. This is why even two people in the same family can get widely different quotes. It is best to check the quotes for car insurance in Minnesota online.
Types of Coverage for Car Insurance in Minnesota
You have multiple coverage options but there are six main ones that are common. You can opt for underinsured or uninsured motorist coverage. As per the law of Minnesota, you need to have uninsured motorist coverage. Even if the other driver doesn’t have any insurance, your insurance company will need to pay the driver in case of an accident. There are also collision coverage, auto liability coverage, personal injury protection, comprehensive coverage, and medical payments coverage. Since uninsured motorist coverage is mandatory in Minnesota, the premium is higher than in some states like Iowa where the coverage isn’t mandatory. The more the options you choose, the higher the premium will be.
When you decide to get your car insurance in Minnesota make sure you opt for a reputed insurer. Many times, when a car owner is upset, she may write a negative review online. But that doesn’t take into consideration all the positive reviews which happy customers won’t write. That is why the ratings from NAIC (national association of insurance commissioners) is something you should consider. This is because they have unbiased ratings.