Minnesota Auto Insurance Agents

If you live in Minnesota and are looking for an auto insurance agent to assist you with your insurance needs, your search is over!

Minnesota Auto Insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

A qualified insurance agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area.

Compare Auto Insurance in Minnesota

When you are involved in an auto accident and found to be responsible, it is vitally important to have the proper insurance coverage. If you don't have the proper amount of coverage and are found at fault in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage and lawsuits.

Auto insurance in Minnesota is a highly competitive market with over 200 companies vying for your business. Rates in the state are higher than in many others due to the fact that Minnesota requires all drivers to purchase and maintain the following types of coverage (the amounts shown are the minimum as required by law):

Bodily Injury Liability

• $30,000 total for bodily injury coverage, per person
• $60,000 total for bodily injury coverage, per accident
• $10,000 total for property damage, per accident

Personal Injury Protection (PIP) – This is sometimes referred to as "no-fault" insurance. The coverage pays for medical expenses and lost income for a driver or passenger who is injured in an accident, regardless of who is responsible.

• $40,000 total per person, per accident

Uninsured Motorist coverage- This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance or is underinsured. The minimum coverage amounts are:

• $25,000 total, per person
• $50,000 total, per accident

Underinsured Motorist coverage- This covers personal injury or property damage caused by an underinsured driver. The minimum coverage amounts are:

• $25,000 total, per person
• $50,000 total, per accident

It's important to remember that these amounts are strictly the minimum which the State of Minnesota requires to maintain legal coverage. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Minnesota Department of Commerce- Division of Insurance

Tips to saving money on your insurance premiums

• Raise your deductible. Remember, the higher your deductible, the lower the cost.
• If you have a teenage driver in the family, ask about teen driver discounts.
• Drive carefully. A clean driving record can add up to big savings when buying insurance.
• If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
• Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
• Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.