Minnesotans are wild about outdoor fun. Hiking, skiing, biking and kayaking are just a handful of activities that keep residents of The North Star State active and healthy. Minnesota auto insurance rates are in good shape too. Dwellers of the Land of 1,000 Lakes paid an average of $721 for auto insurance in 2007, riding just below the U.S. average of $795, according to the Insurance Information Institute. Distinguishing what Minnesota auto insurance you need and amount of coverage you desire can lead you on the path to savings.
Controlled By the Climate
Temperature variants and weather conditions wreak havoc on Minnesota roads. After the ice and snow melt away they leave behind evidence of their presence with cracks, potholes and floods which jeopardize your vehicle. According to 2007 data collected by the National Association of Insurance Commissioners, 72 percent of insured drivers purchase collision coverage and 76 percent buy comprehensive coverage on top of their liability coverage. Collision coverage takes care of the cost of damage to a car caused by potholes, and comprehensive coverage reimburses individuals who have lost their vehicle to a flood. According to a 2010 Minnesota Department of Commerce press release, there have been 15 presidentially declared flood disasters over the past 20 years in The North Star State. If collision and comprehensive insurance is not currently covered on your policy check with your Minnesota auto insurance company to find out how much more it would cost to add this coverage to your plan.
Safety Measures
Your automobile's safety features not only protect your family but they present savings on your Minnesota auto insurance rates. Cars with a model year 2000 and up have more integrated safety technologies than those previously manufactured. While a 1997 car likely has seatbelts and front airbags, it lacks the advanced protection and modern technologies of newer cars. Take a good look at a vehicle's safety features before you buy. Antilock brakes, front and side airbag systems, stability-control systems, tire pressure monitors, and telematics are just a handful of safety features that could procure savings on your Minnesota auto insurance rates.
A Wise Move
Commissioner Glenn Wilson of the Minnesota Department of Commerce was on the money when he said, "The average consumer will spend weeks and months researching the purchase of their next $15,000 car, but only minutes making what could be a million dollar insurance decision." But investing the time on research and cold calling can seem impossible when you're juggling work, family and fun. You don't have to cut into valuable time if you use LocalInsurance's free services to find Minnesota auto insurance rates that suit your needs. Spend a few minutes on LocalInsurance.com to fill out a short form and then take a hike. While you're taking in Mother Nature, representatives will be matching your information with insurance companies in your area and sending them to your computer.
To find more information on the auto insurance requirements in Minnesota, visit these useful links:
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