Getting Minnesota auto insurance quotes online is the best way possible to quickly get the quotes you need to compare what is available to meet your car insurance needs. This state is one of the few with true no-fault auto insurance. Compulsory personal injury protection or PIP takes care of individuals who are hurt in a car accident, regardless of who is at fault. The state has even put monetary restrictions on lawsuits, so that injuries must meet the pre-set threshold before the at-fault party can be sued.

Minnesota Auto Insurance Quotes Online: Required Coverage

Minnesotas required auto insurance coverage is higher than almost all other states. The state requires you to carry uninsured motorist coverage, underinsured motorist coverage, PIP, and liability coverage. Mandatory limits of coverage in the state are $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident in total and $10,000 property damage liability.

While PIP coverage is mandated to provide for no-fault auto insurance, other mandatory coverage is important too. Minnesota is the 25th worst state for uninsured drivers, with an estimated 13% of drivers having no auto insurance coverage. This makes uninsured motorist coverage a wise choice. Underinsured motorist coverage protects drivers from those who carry just the minimum amounts of coverage. Even though the state does have relatively high mandatory limits for liability, these limits still prove to be inadequate when serious accidents occur. Conscientious insurers should go for liability limits of $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.

Minnesota Auto Insurance Quotes Online: Suggested Coverage

In addition to all the required coverage in Minnesota, there are still other types of coverage that drivers should consider. In fact, if your vehicle is financed, you will need to carry both collision and comprehensive coverage, per your lender. If your vehicle is not financed, you should weigh the cost of the coverage versus the value of your vehicle. Collision will pay for repairs or replacement of your car involved in a moving accident. Comprehensive will pay for repairs or replacement for damages from a non-moving incident.

Other less important but still recommended forms of car insurance are towing and labor and rental car coverage. Such things are sometimes covered by premium credit cards or auto clubs. So, you should check to make sure you don't already have these things provided elsewhere.

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