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Minnesota Auto Insurance Information
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The value of good auto insurance often doesn't become apparent until you really need
it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. |
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Let one of our experienced Minnesota auto insurance policy specialists explain the
different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Click on the link below to fill out a quote request form for a Truck or Car Insurance
policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our Minnesoata Auto Insurance agent specialist toll free at
1-877-730-4678 or locally at (651) 730-6666 to discuss the features.
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We are a local St. Paul, MN insurance agency, offering affordable Minnesota Auto Insurance
policy premiums in the following Twin Cities area towns and counties: Minneapolis, Bloomington, Roseville, Maplewood, North St. Paul, Oakdale, Woodbury, Cottage Grove, South St. Paul, Inver Grove Heights, Eagan, West St. Paul, Richfield, Burnsville, Edina, Lilydale, Mendota Heights, St. Paul Park, Lake Elmo, Newport, Cedar Grove, Savage, Shakopee, Eden Prairie, Minnetonka, Hopkins, St. Louis Park, Plymouth, Golden Valley, Columbia Heights, New Hope, Crystal, Robbinsdale, Brooklyn Center, Fridley, New Brighton, Maple Grove, St. Anthony, Arfen Hills, Shoreview, Vadnais Heights, Little Canada, White Bear Lake, Mahtomedi, Grant, Bellaire, North Oaks, Gem Lake, Mounds View, Lino Lakes, Blaine, Coon Rapids, Spring Lake Park, Lexington, Afton, Lakeland, Bayport, Stillwater, Apple Valley, Andover, St. Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming, Rosemount, Hastings, Vermillon, Coates, Ramsey County, Hennepin County, Dakota County, Anoka County, and Washington County, MN. We also offer auto insurance services in the remainder of Minnesota and throughout Wisconsin. |
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Covers damage caused to the insured's car (your car) from risks such as theft, fire, falling objects,
earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the auto insurance policy. |
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Learn more about Minnesota Auto Insurance
policy coverage options below! |
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Covers damage caused to the owners car from a collision caused by
another car or other object. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
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Minnesota Auto Insurance Policy FAQ
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Minnesota Auto Insurance Policy FAQ
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Minnesota Auto Insurance Policy FAQ
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of a auto insurance
policy. Minnesota's minimum liability insurance coverage requirements are 30/60/10 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums required by Minnesota law. Contact us toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Minnesota Minimum Liability limits explanation:
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30/60/10 30=$30,000 - 60=$60,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a motorcycle, car,
truck, fence, or house, is covered through property damage car insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in Minnesota is $10,000. |
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Benefits Provided Include:
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Medical benefits for all reasonable expenses for necessary medical, surgical, x-ray,
dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Disability benefits for any loss of gross income and loss of earning capacity from
inability to work because of an injury suffered in an accident. |
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Minnesota Auto Insurance Policy FAQ
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Minnesota Auto Insurance Policy FAQ
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Minnesota requires "no-fault" auto insurance coverage. This coverage pays medical bills
for injuries suffered in a car accident regardless of who caused the accident. |
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Medical payments coverage pays for the medical and funeral expenses for you or others hurt
or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is required for auto insurance in Minnesota and your insurance policy must have a minimum of $20,000 of medical payments coverage. |
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Minnesota Auto Insurance Policy FAQ
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25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an
accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no car liability insurance. This is required for auto insurance in Minnesota. Minnesota's minimum uninsured motorist insurance coverage requirements are 25/50 and is explained in detail below. Contact us toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Minnesota Auto Insurance Policy FAQ
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Protects you if your car is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required auto insurance coverage in Minnesota. |
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This type of car insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The car insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is required auto insurance coverage in Minnesota and the minimums are 25/50 or $25,000 / $50,000. |
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Underinsured Motorist Bodily Injury Coverage
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Underinsured Motorist Property Damage Coverage
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Click on the link below to fill out a quote request form for a Car Insurance policy
that will provide excellent car insurance coverage at an affordable cost. Or speak with our Minnesoata Auto Insurance agent specialist toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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(also Wisconsin)
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(also Wisconsin)
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Proudly serving all of Minnesota
and Wisconsin for over a decade! |
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Baecker Insurance Agency, Inc.
373 Pedersen Street, Suite 104
St. Paul, Minnesota 55119
Ramsey County, MN
(651) 730-6666
Toll Free: 1-877-730-4678
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Copyright 2005 - 2008 Baecker Insurance Agency, Inc. - All rights reserved
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Site Built & Maintained by InsuranceWebsiteServices.com
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(also Wisconsin)
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(also Wisconsin)
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(also Wisconsin)
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(also Wisconsin)
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(also Wisconsin)
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(also Wisconsin)
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(also Wisconsin)
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Click on the link below to fill out a quote request form for a Car Insurance policy that will provide
excellent car insurance coverage at an affordable cost. Or you can speak with our Minnesota Auto Insurance agent specialist toll free at 1-877-730-4678 or locally at (651) 730-6666 to discuss the features. |
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(also Wisconsin)
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Glossary for Minnesota Auto Insurance
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Having a teenager included on your auto insurance policy will always cost substantially more, but there
are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's are more
prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send your teenager's auto
insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's auto insurance if a
"B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will decrease as they get
older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance, auto glass
insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers choose these
services for the added security and convenience they provide. |
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Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because of a covered
event. |
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Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This policy is often
combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window on your car is
required. |
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Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by the insurance
agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your policy, it will have
been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the payment of your
auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that would free the
insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim situation. Will
include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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Auto
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Auto Insurance Specialists
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