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Shopping for auto insurance coverage in Wayzata may seem frustrating, but it doesn’t have to be. All it takes is knowing exactly what to look for when it comes to finding a solid insurance policy for your cars.
Below are some of the most important features that any auto insurance policy you purchase should have:
- Personal Injury Protection (PIP) – This coverage takes care of your medical, hospital and funeral expenses. Minnesota requires all licensed drivers to carry at least $40,000 of PIP coverage per person.
- Bodily Injury Liability – This coverage pays for other people’s injuries or deaths, plus it covers legal fees if the other party decides to sue for further damages. Minnesota requires drivers to carry at least $30,000 of coverage for one person and $60,000 for two or more people.
- Property Damage Liability – This covers physical damage done to the other person’s vehicle and damage to other property. Once more, the state mandates that drivers must carry at least $10,000 of property damage liability coverage.
- Uninsured and Underinsured Coverage – This covers damages caused by motorists without insurance as well as those with paltry insurance coverage. The state requires at least $25,000 of underinsured coverage and $25,000 of uninsured coverage.
- Collision Coverage – With this coverage, your insurance company will cover the replacement or repair of your vehicle in the event of an accident. This coverage is ideal for those who own relatively new vehicles.
- Comprehensive Coverage – Comprehensive insurance covers loss from theft, fire, flood and other non-accident events that may not be covered by your collision coverage.
You’ll also want to learn about all of the discounts that your insurance provider offers and ways you can qualify for them. Get in touch with us to speak to your independent agent about finding an insurance plan that fits your needs.
Disclaimer: The content of these blogs do not represent any type of specific coverage’s offered by the agency.