How much are you paying for car insurance in Blaine, MN? Would you like to find lower car insurance premiums? If so, you are in the right place. Auto accidents happen, so you will need an exceptional car insurance policy to cover against them. Whether your car got a flat tire on 105th Avenue NE, or you had a major accident on I-35 W, either one could cost you hundreds or thousands of dollars in accident-related monetary losses.
When you hire an independent insurance agent, you can look for the best car insurance policy to meet your coverage and financial needs. Find an independent insurance agent in Blaine, MN, to learn more today.
Why Do Car Insurance Premiums Differ in Blaine, MN?
All insurance companies have their own approach in determining risk and calculating rates, which can cause car insurance rates to be different from one policyholder to another. Below are some factors in which the rate of your car insurance quote may be based upon:
- The amount of liability insurance being obtained
- The amount of your deductible
- The make, model, and year of vehicles being insured
- Your credit score and driving record
- Your age, gender, occupation, and marital status
- Information about other licensed drivers using your vehicle
- The coverage options included in your policy
- Whether you own or rent your home
Chances are good that you may qualify for significant discounts on your car insurance if you bundle your car insurance with renters or homeowners insurance. You may qualify for other discounts, such as if you have a safe driving record or make good grades in school.
Allow an independent insurance agent to help you compare rates and find the discounts for which you qualify. They can aid you in finding the car insurance coverage you need at the most reasonable price.
What Car Insurance Coverage Options Are Available in Blaine, MN?
All car insurance policies are the product of mandatory and voluntary car insurance coverage options. As a resident of Blaine, MN, your policy must meet or exceed Minnesota’s minimum car insurance coverage requirements. Minnesota requires drivers to carry liability car insurance and uninsured motorist coverage.
Auto liability insurance reimburses third parties for personal injury and/or property damage. Please be aware that comprehensive and/or collision insurance does not meet Minnesota’s vehicle financial responsibility requirements.
Uninsured or underinsured motorist coverage helps to pay for non-covered injuries and/or damage caused by an uninsured or underinsured driver. In fact, Blaine’s uninsured drivers percentage total is a tad lower than the national average:
- National Average: 13%
- Blaine, MN: 11.5%
If you are still paying on or leasing your car, your dealer will most likely require you to carry comprehensive and collision insurance.
The minimum liability insurance requirements are as follows:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $10,000 for damages to property
Below are several car insurance coverage options you might expect your local independent insurance agent to offer you:
- Collision insurance (Partially optional): This option covers repairs or the replacement of your car if damaged in an accident, regardless of fault.
- Comprehensive insurance (Partially optional): This option covers repairs or the replacement of your car if lost or damaged due to a non-collision event such as flooding, lighting, or car fire.
- Uninsured motorist insurance (Required): This option covers other non-covered damage and injuries you may undergo if in a collision with an uninsured, underinsured, or hit-and-run driver.
- Roadside assistance and towing (Optional): This option covers essential options if your car breaks down while out driving, like if all your engine coolant leaks out.
- Rental reimbursement coverage (Optional): This option covers the cost of renting an alternate car while your car is being repaired following a covered event.
Speak with your independent insurance agent for aid in selecting your auto liability coverage options.
What Is the Penalty for Driving without Insurance in Blaine, MN?
In the state of Minnesota, if you neglect to maintain liability car insurance and uninsured motorist coverage a peace officer will cite you if you are caught. If you get into an accident and are found to be at fault, you will be responsible for the expenses of any personal injuries and/or property damage that occurs. When you go to court and they find that sufficient insurance was not in effect on the date you were cited, you shall be charged with a misdemeanor.
When operating a car, every driver must be able to produce current proof of insurance if pulled over by a peace officer. Below are the penalties for driving without insurance in Blaine, MN:
- The driver is guilty of a misdemeanor if they do not produce the required proof of insurance upon the demand of a peace officer.
- A driver is guilty of a gross misdemeanor if they repeat the violation within ten years of the first of two prior convictions.
- The court may impose consecutive sentences for violations arising out of a single course of conduct.
- In addition to any sentence of imprisonment that the court may impose, the court shall impose a fine of not less than $200 nor more than the maximum fine applicable to misdemeanors upon conviction.
- The court may allow community service in lieu of any fine imposed if the defendant is impoverished.
- In addition to criminal penalties, a person convicted is subject to revocation of a driver's license or permit to drive.
What Is the Auto Theft Rate in Blaine, MN, and Why Does it Matter?
Your car insurance is partly based on the number of claims filed and Blaine’s auto theft rate, which should be a very good reason to carry the right amount of car insurance on your vehicles.
The 2018 crime rate in Blaine, MN was 158, which was 1.7 times lower than the US average. In the last five years, Blaine has seen an increase in violent crime and a decrease in property crime.
- National auto theft rate per 100,000 vehicles: 228.9
- Minnesota auto theft rate per 100,000 vehicles: 180.5
- Blaine auto theft rate per 100,000 vehicles: 117.3
Blaine, MN, Independent Insurance Agents Are There When You Need Them
Independent insurance agents can be particularly advantageous when searching for the best car insurance policy to meet your coverage needs. These car insurance experts can explain your coverage options, answer insurance-related questions, and help you review offers from multiple insurance companies.
Contact a TrustedChoice.com independent insurance agent with an office near Blaine, MN, to start comparing customized car insurance quotes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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