Auto Insurance tips for drivers in Minneapolis MN

In Minneapolis, MN, you will probably need a car to get around, even though there is access to some public transportation. So if you are a driver, you will need auto insurance of some kind, preferably from a local broker like Calhoun Risk Management who serves the greater Minneapolis area. There are a variety of different types of auto insurance available and below are some tips for those with policies in Minneapolis for what type of policy to set up, based on what type of car they drive, how often they drive or what type of coverage is most suitable for them.

LIABILITY INSURANCE

This is an absolute must for any driver on the road in Minneapolis, MN because it will protect all of those involved in the event of an accident. This is the minimum insurance one needs to legally drive in Minnesota, and it covers the physical damage to other vehicles or medical damage up to a certain amount when an accident is deemed to be your fault. Make sure this aspect of your auto insurance policy is always in effect while driving in Minneapolis.

BODILY INJURY LIABILITY

The most expensive part of any bad auto accident can usually be the medical costs those involved may incur. The cost of repairing the vehicle itself will be nothing compared with medical bills for someone who is seriously injured, so if you drive a lot or are worried about the cost of bodily injury to yourself or someone else, this bodily injury policy is a good addition.

FIRE AN THEFT COVERAGE

It may also be a good idea to have coverage for your car catching on fire or being stolen in a place like Minneapolis, MN, as cars tend to overheat in the summers here and there are a large number of people in this big city, making theft more likely.