Car Insurance

MINNESOTA CAR INSURANCE FACTS AND INFORMATION

Drivers in Minnesota are required to carry car insurance by law. There are over 5 million licensed vehicles here. That’s a lot of cars, trucks and motorcycles! All of them need auto insurance and we would like you to understand what this is.

Car insurance has seven primary coverages

(* required by Minnesota law)

* Bodily Injury Liability

If you do bodily injury or death to others in a car related claim or pedestrian, this coverage can help pay. The minimum limits in MN are 30/60. $30,000 limit per person and $60,000 per accident.  We recommend 100/300 or higher.

 

* Uninsured Motorist

If you’re in an accident that is not your fault, UM helps pay for medical expenses. The other driver needs to be at fault and not have any liability insurance. The minimum in MN is 25/50. $25,000 per person and $50,000 per accident. We recommend 100/300 or higher. Remember, this is a coverage that can benefit YOU.

* Property Damage Liability

If you are in an accident that is your fault, this coverage helps pay for property damage such as: vehicles, houses, buildings and other structures. The minimum limit in MN is $10,000. We recommend $100,000 or higher.

 

* Underinsured Motorist

If you’re in an accident that is not your fault, UIM helps pay for medical expenses. The other driver needs to be at fault and not have enough liability insurance. The minimum in MN is 25/50. $25,000 per person and $50,000 per accident. We recommend 100/300 or higher. Remember, this is a coverage that can benefit YOU..

* Personal Injury Protection

PIP is Minnesota No Fault coverage. Basically, each company pays for their own medical bills. The minimum in MN is $20,000/$20,000 or $40,000. $20,000 for medical and $20,000 for wage loss, disability or funeral costs. Stacking is the doubling of these limits after you have two or more autos insured. It increments with each additional auto you insure.

Comprehensive

Helps pay for repairs or replacements from things like, fire, theft, deer, birds, animals, glass, etc. In Minnesota you can remove the deducible by adding full glass coverage.

Collision

Helps pay for repairs or replacement if your vehicle is damaged in an accident. Generally, your vehicle is in motion.

Follow this link if you need more info on, what is auto insurance.

WHO HAS THE LOWEST MINNESOTA CAR INSURANCE ?

There are lots of insurance companies licensed to sell car insurance in Minnesota. Companies like, Progressive, AAA, State Farm, Auto Owners, Allstate, Farmers, Acuity, Allied, American Family, Main Street America, Cincinnati Insurance, Dairyland, Great Northwestern, Hartford, Integrity Mutual, MET, North Star Mutual, RAM Mutual, Safeco, Secura, Selective, State Auto Travelers, United Fire Group, Western National Mutual Insurance, Wilson Mutual and many more.

It’s not like the good ole days, when agents looked at charts and rate manuals. Credit scoring changed the way car insurance was sold in Minnesota. That combined with computerized rating and now monitoring devices like Snap Shot (Progressive) telematics, you can’t just say one company has the best car insurance rates anymore.  There are so many variables. We recommend shopping multiple carriers every three years for maximum savings.

MINNESOTA CAR INSURANCE AGENT

The right car insurance agent in Minnesota is also one of key ingredients in helping you secure the right protection, at the right price.  Car insurance is basically sold three ways;

  1.  A direct writer only representing their brand.
  2. Online, without the guidance of an experienced agent.
  3. An independent insurance agent, representing multiple companies

Some other types of insurance we offer are homeowners insurance, boat insurance, motorcycle insurance, life insurance.   We also offer business insurance, general liability insurance, commercial auto insurance, workers compensation insurance, contractor insurance, restaurant insurance, business owners policy, tow truck insurance, liquor liability insurance and bonds.

READY FOR A QUOTE – IT’S AS SIMPLE AS 1 – 2 – 3!

We make getting car insurance in Minnesota so easy.  Working with drivers statewide, we have it down to a science!

1. Get your quote now!

Our goal is to give you the best insurance deal, the first time. Let us shop multiple insurance companies, saving you both time and money.  Bundling with a homeowners, condo, townhome or renter’s insurance policy can also bring additional discounts. We will deliver comprehensive coverage, at a price that is easy on the budget. Plus, our experienced car insurance agents will help answer your questions. Ask your questions, they are always free!

Complete our simple one-page form below and an experienced licensed agent be in touch and working on your quote immediately.

2. Get car insurance, today!

Yes, sign me up right now! We will send you the papers to sign electronically with your finger, on your smart phone or computer. Click, click, click, they come back to us automatically with no printing, faxing or scanning required. It’s fast & super easy.
Your down payment is handled the old fashion way, by phone. Some things are just better like that, secure. Our insurance companies have flexible payment plans and low-down payments.

3. Relax, we have you covered! Auto ID cards emailed, same day.

Know you have made a quality informed decision and have the right Minnesota car insurance, at the best price.

BUY YOUR CAR INSURANCE FROM US NOW!

Our goal at Insuring Minnesota is to make sure you have the right Minnesota car insurance coverage at the lowest possible rate.  Then, we will save you time and money by shopping multiple insurance carriers.  Car insurance companies are not created equal.

            With roots dating back to 1982, we are the experts and our agents average 17 years in the business. We are on your side and that makes a difference.  We work with drivers throughout Minnesota, saving them money with proper protection. Give us a try, you won’t be disappointed with the low rates or great service.

             You worked hard every day for your money.  Let us save you some time and some money. We are the solution to your car insurance needs. Helpful, knowledgeable, honest and professional, that’s just how we roll.

It’s time to get your Minnesota Car Insurance Quote.  Low cost insurance is just a click away!

Complete Our Simple Quote Form Or Call Us Now

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1 Step 1
PERSONAL INFORMATION
Enter your full name:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
Marital Status:
Home Owner:
Our Minnesota insurance companies require 6 months of prior auto insurance and a reasonable record. (Please list your current insurance carrier and # of years continuous car insurance coverage):
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DRIVER INFORMATION 1
Full name:your full name
Birth Date:of appointment
date_range
Social Security #:
When was your last ticket or accident? Please list all accidents, your fault or not, tickets, glass claims & comprehensive losses for the past 5 years:
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Daily commute (one way):
Occupation:
Driver's License:
Senior Defensive Driver Course:
DRIVER INFORMATION 2
Full name:your full name
Birth Date:of appointment
date_range
Social Security #:
When was your last ticket or accident? Please list all accidents, your fault or not, tickets, glass claims & comprehensive losses for the past 5 years:
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Occupation:
Daily commute (one way):
Driver's License:
Senior Defensive Driver Course:


If more than 2 drivers, list additional driver's names, birthdates, and driving record history here:

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VEHICLE #1 INFORMATION
Year:
Make & Model:
Vehicle ID# (for rating accuracy):
How long have you owned the vehicle:
Used in business (explain if yes):
VEHICLE #2 INFORMATION
Year:
Make & Model:
Vehicle ID# (for rating accuracy):
How long have you owned the vehicle:
Used in business (explain if yes):
VEHICLE #1 COVERAGE
Full Glass Coverage:
Rental Car & Towing Coverage:
VEHICLE #2 COVERAGE
Rental Car & Towing Coverage:
Full Glass Coverage:


Comments/Remarks (You can list additional drivers, autos, etc. here):

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