Having the right auto insurance coverage should be a main concern for every business and consumer. If you operate a company in the state of Minnesota, you need to know about Minnesota auto insurance agencies and the minimum auto insurance in Minnesota.

If you and your workers use cars for business purposes, make sure to let your insurance company know. Your premiums may be higher, but if a wreck happens on company time and the Minnesota insurance agency that covers the vehicle did not know that you use the car for business, it can reject the claim.

When purchasing auto insurance in Minnesota, some points to consider include:

1. Buying enough Minnesota car insurance coverage to meet your firm’s needs.
2. Deciding whether to purchase automobile insurance in Minnesota online or to use local car insurance in Minnesota.
3. Knowing how to compare premium rates and find car insurance in Minnesota.

Action Steps
The best contacts and resources to help you get it done

Purchase enough Minnesota automobile insurance coverage for your firm's needs

The minimum auto insurance in Minnesota is 30/60/10. The most the insurance company pays for bodily injury liability to the other car's passengers is $30,000 per person up to $60,000 per accident. If property damage occurs, the limit is $10,000 per incident. Minnesota is a no-fault state; your insurance company pays for your injuries regardless of fault. Minnesota requires 25/50 uninsured motorist coverage to protect against damages to your car and passengers by other drivers. You'll want at least 100/300/100 coverage plus comprehensive and collision insurance. Comprehensive covers non-wreck incidents (stolen car, smashed window); collision pays for damage to the policyholder's car in a wreck. You may purchase an umbrella policy that covers any additional claims against the driver/company. These policies are in increments of $1,000,000. Decide if the company will pay insurance costs for its employees (commercial insurance) or if employees must locate and fund their own coverage.

I recommend: Chase and AutoInsure both have free, speedy online umbrella insurance quotes.

Buy automobile insurance in Minnesota online or use traditional insurance companies in Minnesota

With many websites promising to deliver auto insurance quotes in Minnesota from several companies with one mouse click, it is alluring to purchase auto insurance online. This option is convenient, but make sure you meet your company's needs by doing so. If you purchase insurance online from an unfamiliar company and it goes bankrupt, you and your employees are stuck holding the bag. Also, never undervalue the importance of good customer service. Will fly-by-night insurance agencies answer the phone quickly, respond to your inquiries and take time to clarify your policies? If you have a strong need for conscientious customer service, a predictable, proven insurance provider-one that you can call or visit in person in addition to going on its website-may be your best option.

I recommend: Allstate, Traveler’s, Geico and Nationwide have been around for a long time and are well known throughout the industry for their prolonged existence and customer service.

Know how and where to compare premium rates and find car insurance in Minnesota

Thanks to the Internet, it's easy to get Minnesota car insurance quotes. Many respectable companies offer auto insurance quotes from a number of providers when you fill out just one online application. By inputting the specific insurance needs of your firm, you can get a reliable comparison of the same insurance coverage from several different providers.

I recommend: Looking for cheap auto insurance in Minnesota? eSurance, Insurance and Progressive are easy to use and pull quotes from several companies. You can purchase coverage and print insurance cards immediately at the end of the session. Although Progressive is an individual insurer, it also offers competitor’s policies (sometimes at cheaper rates than its own).

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Network with others in your industry to find out which companies they use for auto insurance in Minnesota. The best recommendation for any company is through affirmative word-of-mouth.