Minnesota Residents are required to get insurance. State law, however, only mandates minimums. Good sense dictates spending time with a knowledgeable insurance agent to understand your risks and how to best cover them. Andreotti Insurance works with customers to find the best car and motorcycle insurance at the best price.
Car Insurance FAQs
How much auto insurance do I need in Minnesota?
The Minnesota minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Minnesota, drivers need a minimum of $30,000 per person and $60,000 per accident for Bodily Injury Liability Coverage and $10,000 per accident for Property Damage Liability Coverage, along with $40,000 in Personal Injury Protection (PIP) coverage. The minimum for uninsured and underinsured motorist coverage it $25,000 per person and $50,000 per accident.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Basics of Car Insurance
Like other insurance, the basic concept of auto insurance is easy to understand, but the specifics are what separate good coverage from inadequate coverage. A car insurance policy can cover damages resulting from several kinds of situations. Not all types of coverage are required by law but are often a good idea. Take time to understand your policy coverage. Rely on the staff at Andreotti Insurance Agency to review available coverage.
- Liability coverage—If you cause an accident and are sued, this part of a policy addresses costs you are legally obligated to pay for the other party’s bodily injury and property damage. It also covers your defense.
- Uninsured motorist coverage—If a driver without insurance causes an accident, this provision of your policy will cover some of your damages.
- Underinsured coverage—If another driver causes an accident but does not have enough insurance to pay for all damages, this provision provides coverage for a portion of the damages remaining.
- Personal injury protection (PIP)—If you are injured in an accident, this feature addresses medical bills, regardless of fault, and also covers some related costs such as lost wages.
- Collision coverage—This option concerns the costs to repair or replace your car if you are involved in an accident.
- Comprehensive coverage—When your car is not involved in an accident, but instead is damaged by vandals or thieves, this coverage provides some reimbursement for repair or replacement.
Get an Affordable Quote on Auto Insurance
With all the other expenses of life, why pay too much for auto insurance? Insurance companies offer discounts. Andreotti Insurance Agency works with several reputable companies and can advise you on whether you qualify for discounts when you request a car insurance quote.
Some drivers pose less risk to an insurance company. Statistically, drivers with good driving records and good grades in school are less likely to be involved in an accident. Also, those who take a safety course tend to be better drivers. For this reason, students with good grades, drivers with clean driving records, and drivers who enroll in auto safety courses are offered better insurance rates.
The car you drive also impacts the cost of insurance. If your car is equipped with safety features such as antilock brakes, you are less likely to sustain injuries, thus your insurance cost is lower.
Insurance companies also give discounts to those who insure multiple cars or who purchase multiple policies.
Andreotti Insurance is a Full-Service Agency
Andreotti Insurance is an independent agency started by Frank Andreotti. He has been a licensed insurance agent for many years and provides reliable advice. In addition, as an independent agent, he works with many insurance companies so he can compare policies from different companies and find a policy for you even if you’ve been turned down by other insurance companies.
While you can purchase insurance online, often buyers make the mistake of doing so without understanding legal requirements, options, or risks. And buying the insurance is just the start. Make sure you work with an agent you can trust and rely on for the long haul. Nobody wants to deal with a website at the time of loss.
Contact Us for a Free Auto Insurance Quote
To get quotes on good policies, contact Andreotti Insurance Agency. We are located at 6230 10th St N, Suite 430, Oakdale, MN 55128, and work with residents of the greater Twin Cities metro and eastern Wisconsin. Call us at 651-739-9302.
