Vang Kue
Auto insurance is required in Minnesota. It is a form of protection if you are involved in an accident. It can cover damage to your vehicle, cover others who are injured in an accident, and even cover your medical bills and lost wages. There are many types of coverage, and you might be unsure what kind of coverage to look for or what sort of questions to ask your insurance agent while shopping. Here are helpful tips to consider when shopping for auto insurance:
1. New Cars
If you’re shopping for a new car, you can call your agent ahead of time for a detailed quote. You do not have to own a car to get a quote and, in most cases, it may make the car buying process quicker. If you have your eyes set on a specific car, you can provide your agent with the VIN (vehicle identification number) along with your background information before buying a car. The agent will help you find coverage that may be suitable. Depending on where you buy your car, you may be required to insure it before you actually drive it. Getting a detailed quote ahead of time will get you into your new toy quicker.
2. Amount of Coverage
Minnesota has set, minimum requirements for auto insurance. When you call your agent, chances are they may be providing you with a quote for the minimum amount of coverage. What you may now know is that you can elect to increase your coverage limits or add additional types of coverage, most of which may only cost you a few dollars more. Make sure to ask your agent for the appropriate amount of coverage.
3. Bundles and Discounts
Many insurance companies have bundles and discounts that may be available to you when you’re shopping for auto insurance. This may include discounts for getting good grades, discounts for being a good driver, and discounts if you insure your home or other belongings as well. You may be eligible for discounts even if your agent does not mention them. Every insurance company will have different discounts, so make sure to discuss these with your agent to get the most value for your money.
Buying a new car can be huge milestone and an exciting moment. It is important to protect your prized possessions and to understand your options and the amount of coverage that may be right for you. You should shop around and find an insurance company that understands your needs. It also never hurts to ask, so make sure to ask your agent everything you are unsure about!
