Compare Free Minnesota Car Insurance Quotes and Save
If you drive in Minnesota, you're going to need insurance for your vehicles. If looking for car insurance in Minnesota, you may feel there are too many companies providing Minnesota car insurance quotes and so you don't know where to begin. Let CheapCarInsuranceQuoteTips.com help you find cheap car insurance. Minnesota has many insurance firms eager to work with you. Our free service helps you narrow down the number of companies you may wish to contact about Minnesota car insurance.
Just place your ZIP code in the box to the right and we'll send you the names of several insurance carriers near you. You're under no obligation to purchase any insurance at all from any of them.
If you're going to get a license for your Minnesota vehicle, you're going to have to have liability insurance, as well as personal injury protection (also known as PIP) and uninsured motorist and underinsured motorist coverage.
What's really nice about Minnesota car insurance (and insurance in other states) is that anyone related to you (spouse, child/minor) who lives with you and who doesn't have an auto insurance policy in his or her own name, also is covered on your policy. This also includes someone driving your car (with your permission) who's not covered by another policy.
If looking for cheap car insurance, Minnesota requires the minimum amounts listed below:
- Personal Injury Protection: $40,000 per person per accident
- Liability Insurance: $30,000 for injuries to one person, $60,000 for injuries to two or more people.
- Property Damage: $10,000
- Uninsured Motorist: $25,000 for injuries to one person/$50,000 per person for injuries to two or more people
- Underinsured Motorist: $25,000 for injuries to one person/$50,000 for injuries to two or more people.
Minnesota is a "no fault" state. What this means is that your PIP insurance covers only those expenses that result from injuries sustained in an accident. PIP/no-fault car insurance in Minnesota covers loss of wages, medical costs, replacement services (such as housekeeping), and, if needed, $2,000 for funeral expenses.
Your own PIP is first used to pay these expenses. If the other driver was found to be at fault for the accident, you can state a claim against that driver's liability coverage.
The $40,000 minimum for PIP is available to everyone injured in an accident, with half to be used for medical expenses and the other half to be used for those expenses non-medical in nature.
As you speak with companies providing you Minnesota car insurance quotes, you may want to consider upping the amount of insurance you purchase. Looking at PIP insurance, for example, many injuries can cost much more than $20,000 (the amount of the minimum PIP that may be used for medical expenses). Any costs over that $20K minimum will have to be paid out of your pocket. It may be worthwhile to purchase more coverage in all categories.
Your search for affordable Minnesota car insurance can be made much easier if you use CheapCarInsuranceQuoteTips.com's free service. Place your ZIP code in the box to the right and we'll send you a list of insurance firms near you. You needn't worry that you'll have to purchase something from anyone on the list; use the list to start your research into affordable car insurance. Get started today!
