Let’s face it. Car insurance is a fact of life when it comes to driving in Minnesota. But how do you know you’re getting the right policy for your needs? Here are three tips from our Pizano Insurance team to help you ensure you have the best auto insurance coverage.
Tip #1: Know the State Minimum Limits
Before you can determine if you have the best auto insurance coverage, you need to know the state minimum limits for liability in Minnesota. These requirements include $30,000 per person for bodily injury, with a total maximum of $60,000 per incident. There’s also a requirement for $10,000 for damage to another person’s property. In most cases, this is simply not enough coverage and worth discussing a higher limit with your agent.
Tip #2: Understand Your Financial Situation
Next, it is important to understand your financial situation. Saving money on car insurance is important, but so is making sure you have the right coverage for your needs. If you own a home, have a moderate income, or own a business, you definitely need more than just the state minimum limits. However, if you don’t have many assets and a low income, you might be a better candidate for less expensive coverage. It really depends on your personal circumstances.
Tip #3: Talk to Your Agent
Finally, the easiest way to get the best insurance coverage is to talk to your agent. They will be able to examine your policy and determine any areas where you can improve coverage or reduce certain aspects. Best of all, he or she will also be able to help you determine any discounts you qualify for.
Pizano Insurance proudly serves the Wayzata, MN area. Please contact us today to schedule an appointment or for a no-obligation rate quote.