Living in Blaine provides a quiet, hometown experience with the world waiting at your doorstep. Whether you are taking a day trip to White Bear Lake or commuting into the Twin Cities for work, chances are your car sees plenty of miles each year. Make sure you are protected every mile along the way with Minnesota car insurance.
At Patriot Insurance, we can help you find the coverage you need and the savings you want. Our policies include all of the protection you are required to carry by the state, as well as added coverage that protects your financial interests. Accidents can happen to anyone, anytime. Make sure you are prepared.
Imagine a driver taking a scenic Sunday drive to one of Minnesota’s beautiful parks. He treats his family to a picnic lunch, only to look back and see his vehicle rolling backward down the hill he parked on. The car hits a fence and sideswipes another vehicle on the way down before hitting a tree in the field below. His car insurance contains liability and personal injury protection, but he opted out of collision and comprehensive coverage. While the damages to the fence and other vehicle are covered, the damages to his own car are his personal responsibility. If he had purchased the additional insurance protection offered to him, his out-of-pocket expenses would have been minimal compared to the thousands of dollars it will cost to repair his vehicle.
Car Insurance in Minnesota
As a Minnesota driver, you need a car insurance policy that protects you in any scenario. We recommend you purchase coverage with limits that protect your financial interests regardless of who – or what – is at-fault for your or a victim’s loss. Some of the insurance protection we offer includes:
All motorists are responsible for the losses and injuries they cause to other drivers and their passengers in a collision. If you are at-fault for an accident, your liability insurance helps minimize your out-of-pocket losses for claims against you. Most drivers need more than the state minimum liability coverage of $10,000 for property damage, $30,000 for an individual’s bodily injury, and $60,000 for two or more people injured in an accident.
Collision insurance reimburses you for damages to your own vehicle when you are at-fault for an accident. Whether you hit another vehicle or an object, collision insurance can help cover repair costs or replacement of your vehicle if it is deemed a total loss.
Sometimes, damages to your vehicle are not your fault or the fault of another driver. Sometimes it is Mother Nature who causes wind or hail damage to your car. In other cases, it might be a falling object or even a thief who leaves your windows shattered. Whatever the cause, comprehensive insurance can help pick up the pieces.
Personal Injury Protection
In a no-fault state like Minnesota, your own car insurance pays for the first $20,000 of your medical bills and $20,000 of lost income when you are injured in an accident – regardless of who was at-fault. This is known as personal injury protection (PIP), and the coverage generally extends to all members of your household – even if you are injured as the passenger in another person’s car.
Uninsured Motorist/Underinsured Motorist Protection
Being uninsured is against the law, yet many Minnesota drivers still do not maintain car insurance coverage. Uninsured motorist protection is required in Minnesota, and it provides you with back-up payment for your medical expenses exceeding the limits on your PIP if you are injured by a motorist who does not have liability coverage. Likewise, underinsured motorist insurance protects you above the limits of your PIP and that at-fault driver’s liability insurance when you are injured by a driver with inadequate coverage.
Other Minnesota Car Insurance Options
When you run out of gas, need help changing a flat, or get locked out of your car, roadside assistance protection ensures you get the help you need, 24-hours a day. It also helps knowing your insurance company has you covered if you need to have your vehicle towed or find yourself stranded and without lodging far away from home. You can even include reimbursement for a rental car if a covered event leaves you without transportation.
See How Much Money You Can Save on Minnesota Car Insurance
At Patriot Insurance, our number one goal is providing customers with affordable rates on premium coverage. From low mileage and bundling discounts to raising your deductible, we can help find ways to reduce the costs on the coverage you want. Let us put our knowledge and experience to work to find you a policy that protects your future. Call us today to request your free quote and find out how much we can save you on Minnesota car insurance. We look forward to serving you soon.