Car Insurance Quote MN l Get Free Car insurance Quotes in Minnesota

by IST

Car Insurance Quote MN

Minnesota is the Land of over 10,000 Lakes. Suitable , since The Insurance Specialists Team of MN provides 10,000 pearls of knowledge and understanding (plus or minus a couple thousand) here about Minnesota car insurance.

No matter where you live in Minnesota — Minneapolis to Moorehead to Mankato — you can score Insurance Specialists Team’s auto coverage and discover all the benefits and savings from it.

Begin your free Minnesota car insurance quote, take advantage of our affordable policies, super savings options, and modern online tools. Plus, of course, the most informative insurance site on this, or any, side of the St.Croix!
Insurance Specialists Team’s Minnesota has car insurance discounts From the Top Insurance companies

Home to the Vikings,Timber Wolves, Twins. and Wild – Minnesota could be considered the Big little city. Which is to say, residents in your state love their teams and know winning deals when they see them. And shopping for Minnesota auto insurance isn’t complete without some nifty North Star State perks to boot.

Specialists at the Insurance Specialists Team MN can help you save big with these discounts:

Easy Three Discounts
Multi-Car, auto parts for less discount applications
Paid-in-Full discount
Homeowners discount

Snap shot discount
Defensive Driver discount
Good Student discount
Anti-Theft discount

Alumni Discount

AAA Discount

Early bird Discount

Referral Bonus and many more!

Discounts may vary. If  you have questions about all the discounts, give us a call at 763-263-0785 Big Lake.  763-452-2145 Ham Lake. 612-460-7796 MPLS


Auto Insurance Quote MN
Required Minnesota car insurance coverages


All Minnesota drivers are required to have a Minnesota no-fault policy with personal injury protection, liability insurance, and uninsured/underinsured motorist bodily injury coverage. You must have at least the following limits for each:

Personal injury protection (PIP)
PIP — medical coverage ($20,000 limit)
PIP — economic loss ($20,000 limit)
Liability coverage
$30,000 bodily injury coverage (one person)
$60,000 bodily injury coverage for 2 people or more
$10,000 property damage coverage

These liability limits are commonly written as 30/60/10. It likely isn’t enough and it may actually cost less to have higher limits as some carriers will rate having higher limits better.

Uninsured/underinsured motorist bodily injury coverage
$25,000 for injuries to one person
$50,000 for injuries to 2 people or more

Settling injury claims after an accident

Minnesota is a no-fault state, which means that each driver (and each driver’s insurer) is financially responsible for his or her injuries in an accident, up to a set limit.

Minnesota no-fault helps cover medical-related bills after an accident. These expenses can include medical bills, replacement services, and income loss if you have to miss work.
Settling property damage claims after an accident

Since no-fault applies to bodily injury, if another driver damages your car or other property in an accident, you’d file a claim with that person’s insurance company instead of your own. (That’s what property damage liability coverage can help pay for.)
Optional car insurance coverages

On top of the required Minnesota car insurance coverages, drivers can also choose from these extra options when you get your Minnesota car insurance quote.

Comprehensive coverage (including glass replacement coverage)
Collision coverage
Emergency road service coverage
Rental car coverage
Customized parts and equipment coverage
Loan/lease gap coverage

Comprehensive and collision coverages may be required (by a lease or finance company) if you lease or have a loan on your car.
Car repair shops in Minnesota

IST customers love the savings – check our reviews!

The Insurance Specialists Team has connections for auto glass, body shops, contractors, handy men,etc. See our trusted referrals page!
Factors that can impact your Minnesota car insurance premiums

The following can affect your car insurance rate in Minnesota:

The coverages, limits, and deductibles you choose
Vehicle type
Annual mileage
Driving record
ZIP Code
Discounts you qualify for
Credit-based insurance score

Minnesota driving trends
Uninsured drivers in Minnesota

A recent report from the Insurance Research Council estimated that 13 percent of Minnesota drivers were uninsured in 2009. That was in line with the national average of 13.8 percent.
Driving safety

Year after year, driving fatalities have decreased in Minnesota. In 2010, there were 411 traffic-accident deaths, a small drop from 421 in 2009 (and an even bigger drop from 455 in 2008).
Not having proof of insurance

Keep proof of your Minnesota car insurance in your auto at all times. If you can’t provide proof of insurance… your license could be revoked.
Your right to car insurance

Regardless of your driving record, you have the right to obtain car insurance in Minnesota. See IST for a car insurance quote MN and what they can do for you.

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