With approximately 135,000 miles of streets and highways to explore, the possibilities are endless for Minnesota drivers. Wherever the road may lead you, make sure you have the right car insurance to protect you along the way.
Car Insurance Requirements in Minnesota
There are certain types of car insurance that are not optional in Minnesota. These include liability insurance, personal injury protection (PIP), and uninsured motorist coverage.
Like all states, drivers are required to carry liability insurance that provides victims with payments for injuries and property damage caused by accidents for which you are at fault. Laws in Minnesota require a minimum of $10,000 for property damage liability, as well as $30,000 per person and $60,000 per accident for bodily injury. These limits are a start, but may not be enough to provide complete liability protection. At Wheaton Insurance, we help drivers determine how much liability coverage is necessary to protect assets and income against liability claims.
Personal Injury Protection (PIP)
Personal injury protection, also known as no-fault coverage, is insurance that pays for your own medical bills and lost wages if you are injured in a car accident. It does not matter who was at fault – whether it was you or another driver. PIP will cover the members of your household and will also cover you if you are injured as the passenger in another vehicle.
Uninsured Motorist Coverage
Uninsured motorist protection helps pay for any medical expenses outside the limits of your personal injury protection when you are injured by an uninsured motorist. Similarly, purchasing underinsured motorist protection provides coverage for your medical expenses outside the limits of your PIP when you are injured by an at-fault motorist with inadequate liability coverage.
Additional Car Insurance Protection
In addition to the mandatory insurance protection required for motorists in Minnesota, you can also purchase additional coverage to protect you from personal losses. At Wheaton Insurance, we recommend adding collision insurance to your policy to reimburse you for the repairs or losses to your own vehicle when you are at fault in an accident. We also recommend the inclusion of comprehensive protection, which provides payment for losses stemming from a non-accident related event. Together, these two types of coverage help ensure your losses are minimized if a rock shatters your sunroof, you hit an animal in the road, or a thief breaks into your car overnight.
Other types of coverage are also available and may prove beneficial if you find yourself stranded or without transportation. For example, roadside assistance can provide peace of mind when you run out of gas or experience a flat tire. You can also select rental car coverage, which helps provide you with temporary transportation while your vehicle is being repaired.
Saving Money on Car Insurance in Minnesota
At Wheaton Insurance, we believe that quality car insurance coverage should never cost a bundle. As an independent agency, we work hard to compare rates and coverage from several of the state’s leading insurers. Our goal is to help our customers save as much money as possible without sacrificing coverage.
Many of the insurers we work with provide a wide range of discounts, including:
- Low mileage discounts
- Vehicle safety discounts
- Claims-free discounts
- Safe motorist education discounts
- Bundling discounts (when you combine multiple types of coverage with the same insurer)
- And more
If you are a driver in the greater Forest Lake area, let us help you find an affordable car insurance policy that fits your needs. Contact us today to request your free quote. We look forward to serving you soon.