Car Insurance
Car Insurance Basics
Car insurance offers financial protection for costs that result from an auto accident. In its most basic form, it provides liability coverage to help pay for injury and/or damage you cause to another party. Minnesota also requires uninsured/underinsured motorist (UM/UIM) coverage and personal injury protection. UM/UIM helps cover bodily injury you sustain when another driver is under-insured or uninsured. Personal injury protection pays for medical expenses and lost wages, without regard to who is at fault.
The cost, known as the premium, can vary greatly depending on the coverage you choose, your driving and loss history, the vehicle being covered, and other factors. We can help keep the process simple by explaining the coverage, generating quotes from multiple insurance companies, and offering our advice. Contact us to get started.
Car Insurance Coverage
Auto Liability
Covers bodily injury and property damage that you cause to another party in an auto accident.
Collision
Covers physical damage on your vehicle that is caused by a collision with another vehicle or object.
Comprehensive
Covers physical damage on your vehicle caused by something other than a collision.
Uninsured / Underinsured
Covers bodily injury that you sustain in an accident with a driver that has too little or no coverage.
Personal Injury Protection
Covers medical expenses and lost wages that you sustain in an auto accident, without regard to fault.
Rental Reimbursement
Covers the cost of a rental vehicle while your vehicle is unusable after a covered incident.
Roadside Assistance
Covers towing and other emergency roadside services.
And Others
While the above are common, there are many additional coverage options available.
Vehicles We Cover
Discounts
Car Insurance FAQ
The state of MN requires, at a minimum:
Liability
– Limits of $30k per person / $60k per accident / $10k property damage.
Uninsured / Underinsured motorist
– Limits of $25k per person / $50k per accident
Personal injury protection
– Limits of $40k per person, per accident
This coverage makes it legal to drive, but not enough to protect your financial assets. Most people should look at higher limits. Physical damage may also be required if you have a loan or lease your vehicle.
What to do
– Ensure all discounts for which you qualify are applied to your policy.
– Consider enrolling in a telematics program that shares driving data with your insurer, allowing you to benefit from good driving.
– Get quotes from multiple insurance companies. They offer different rates based on a multitude of factors.
What not to do
– Drop valuable or necessary coverage to reduce your premium.
– Withhold or provide false information to your insurance company.
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