Auto Insurance


Cheap Car Insurance in Minnesota with Full Coverage

cheap car insurance in minnesotaIf you’re looking for cheap car insurance in Minnesota as a Minnesota resident, rest assured you’ll find it here.  Our online Rapid Quote Partner Network is the key to unlocking your savings using our free quoting system of top tier companies that offer substantial online discounts for car insurance of all types.  From standard full coverage insurance, to young driver insurance discounts and even classic car insurance in Minnesota we offer cheap car insurance in Minnesota from multiple carriers with discounted quotes when you use our online network resource.

Whether you live in more highly populated areas such as Minneapolis St. Paul, Rochester or as far north as the boundry waters bordering Canada, everyone requires coverage in the State of Minnesota and everyone is looking for the best pricing, for coverage that meets your needs from companies that are the most established, respected and well funded in the country and that describes our partner network.

If you’ve quoted online before and know the coverage you’re looking for, simply enter your zip code into our quote system at the top of our quote engine and begin quoting.  To ensure you get the cheapest car insurance in Minnesota for your location possible, make sure to get three or more quotes.  They’re free and there’s never any obligation to buy.

Cheap Car Insurance in Minnesota – More Savings!

Let’s face it, saving money is why you’re here we understand that not everyone that visit this site is going to understand the details behind how car insurance works and the types of coverages available.  Knowing this information will allow you to understand how to save as well.

It is important to know about the different types of coverage. You want the cheapest car insurance in Minnesota for your location and situation, but you should be certain that you have a policy that covers any possible incident. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. You will also want to consider the need to insure against damages caused by uninsured drivers. Collision insurance and comprehensive insurance are the options that will provide coverage for damages to your own vehicle.

Refrain from buying your teenager his own car. Have the teenager use a family car instead. Adding a teenager to a family plan is much cheaper than insuring him or her separately. If they get good grades in school or remain on the honor roll, they might even qualify you for a discount.

You may be able to get a lower rate if you feel the rate you received based on your record was unfair. For instance, some insurance companies will lower your rate after you successfully complete a driving course after experiencing an accident or a ticket. Other companies, like Progressive (who we work with), now offer customers the option of temporarily installing a chip into their car which monitors their everyday driving habits; if those habits demonstrate consistently responsible driving, then your rate will be lowered.

In addition to coverage that is legally mandated, there are other types of insurance protection you may choose to add to your insurance portfolio. This type of extra coverage may raise your premium in the short term, but may also save you money in the long run. If you get into an accident with someone who does not have insurance or you are the victim of a hit-and-run, you’ll be sorry if you don’t have uninsured motorists coverage.  It’s one of the least costly, most used types of coverage available and while it’s optional in many States, it’s mandatory in Minnesota.  We’ll talk about Minnesota State requirements in a bit.

Cheap Car Insurance in Minnesota – More Ways to Save!

Keep your car in mind when you are determining what coverage is needed. Typically, a slightly older car or truck will require fewer coverage fees due to its lower value in the resale market. Look into how often your type of vehicle is stolen, as this can make a difference in your insurance rate. Comprehensive coverage can be a good idea if your vehicle has a high theft rate, even if it isn’t worth a lot.

Go for a non-sporty vehicle. It costs more money to insure a sports car. You should stick with an average vehicle. The larger the vehicle motor, the higher your insurance rates are going to be. Sports cars are targets of theft, therefore the insurance will cost more.

Finally, to get the cheapest car insurance in Minnesota that you can, make sure to keep extensive records of any accessories or modifications that you have installed into your car. This will help provide evidence of the parts, in the event that something happens to your vehicle. Check to see what exactly is covered by your insurance company before investing money into any parts.

If you’re a young driver, it’s true that young women pay less than young men because they statistically have less claims, but following some of the advice above can lower a quote even for young men so that you can get cheaper Minnesota car insurance.  Additionally, the magic age to start seeing reductions in your premiums if you’ve been a good driver is about 25 years old.

Cheap Car Insurance in Minnesota – Minnesota State Requirements

Every State has mandated car insurance requirements and Minnesota is no different.  In fact, Minnesota is in the minority of States that have no-fault insurance.  This means that if you’re in a car accident, if doesn’t matter who is at fault, your insurance company will pay for your injuries up to the limit specified in your policy.

As a result Minnesota requires PIP insurance coverage which stands for Personal Injury Protection coverage.  This pays for necessary and reasonable coverage for you and your passengers in case of an accident and Minnesota requires a minimum of $40,000 of PIP insurance coverage with every policy.

While quoting cheap car insurance in Minnesota, you need to know that the other coverages and minimum requirements in Minnesota are as follows:

Bodily Injury Liability has a $30,000 per person total of $60,000 Limit
Property Damage Liability for property damage with a $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury which we touched on before has a $25,000 per person/$50,000 per incident limit.

Now that you’ve read this article, you know more about choosing auto insurance that’s a good fit for you while getting the cheapest car insurance in Minnesota possible. You will grow to make wiser and better choices as you learn the complexities of vehicular insurance. With that being said a lot of these tips can help out friends and family too, so you might want to show them these tips as well.

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