Auto Insurance in Minnesota
Minnesota’s seasonal weather patterns can make driving in the North Star State a challenge. With auto insurance, you can protect yourself and others against accidents on the road. At Kriener Insurance in Woodbury, MN, we can personalize your auto coverage to ensure you get adequate protection for your lifestyle. Here’s what you should know about purchasing auto insurance in Minnesota.
Required Coverage
Like most states, Minnesota requires that drivers carry minimum auto liability coverage. Liability pays for injuries or property damage to others in accidents that are your fault. Minimum coverage may not fully cover the damage that major accidents can cause. This puts you at risk of paying for extra expenses out-of-pocket. By purchasing more than the minimum liability requirement, you can protect your assets against severe mishaps on the road.
Minnesota also requires that you have uninsured motorist (UM) coverage to protect yourself against drivers with inadequate insurance coverage. UM coverage also protects you against hit-and-run drivers.
Additional Coverage
In addition to liability and uninsured motorist insurance, you can obtain additional coverage in the form of collision and comprehensive insurance to protect your vehicle in the event of an accident.
Comprehensive insurance pays for repairs to your auto if it’s damaged by a falling object, adverse weather conditions, or vandalism. If your car is stolen, comprehensive insurance compensates you for its market value cost.
Collision insurance helps pay for your auto repairs if it’s damaged in a crash with another vehicle or object.
If your vehicle falters on the side of the road during a road trip, roadside assist coverage can help pay for towing and minor repair costs.
Customized Coverage
By customizing your auto insurance, you can ensure you’re getting the right coverage for you. A personalized auto insurance policy can also save you money on your premium, as you won’t be paying for unnecessary coverage.
For more information about auto insurance coverage and costs, contact Kriener Insurance in Woodbury, MN.
