Burnsville Car Insurance

Your Complete Guide to Burnsville, MN, Car Insurance

How much do you pay for auto insurance?

How much are you paying for car insurance in Burnsville, MN? Would you like to find lower premiums? If so, you are in the right place. Car accidents happen all the time, so you will need an excellent car insurance policy to cover against them. Whether your car broke down on County Road 42 E, 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 Burnsville, MN, to learn more today.

Why Do Burnsville, MN, Car Insurance Rates Differ from One Policyholder to Another?

Insurance companies have their own process in determining risk and calculating rates, which can cause car insurance rates to be different from one policyholder to another. The following are some factors in which the rate of your car insurance quote may be based upon:

  • Your age, gender, occupation, and marital status
  • Your credit score and driving record
  • The make, model, and year of vehicles being insured
  • The amount of your deductible
  • Information about other licensed drivers using your vehicle
  • The amount of liability insurance being obtained
  • The coverage options included in your policy
  • Whether you own or rent your home

Chances are very 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 help you to find the car insurance coverage you need at the most economical price.

What Car Insurance Coverage Options are Available in Burnsville, MN?

All car insurance policies are a combination of mandatory and voluntary car insurance coverage options. As a resident of Burnsville, MN, your policy must meet or exceed Minnesota’s minimum car insurance coverage requirements. Minnesota requires all drivers to carry liability car insurance and uninsured motorist coverage.

Uninsured or underinsured motorist coverage helps to pay for non-covered injuries and/or damages caused by an uninsured or underinsured driver. Further, Burnsville’s uninsured driver percentage total for the state is a bit lower than the current national average:

  • National average: 13%
  • Minnesota’s average: 11.5%

Car liability insurance reimburses third parties for personal injury and/or property damage. However, you do need to be aware that comprehensive and/or collision insurance does not meet Minnesota’s vehicle financial responsibility requirements.

If you are still paying on or leasing your car, your dealer will in all likelihood 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 that your local independent insurance agent to offer you:

  • Collision insurance (Partially optional): This covers repairs or the replacement of your car if damaged in an accident, regardless of fault.
  • Comprehensive insurance (Partially optional): This covers repairs or the replacement of your car if lost or damaged due to a non-collision event such as flooding, lightning, or a car fire.
  • Uninsured motorist insurance (Required): This covers other non-covered damages and injuries you may undergo if in a collision with an uninsured, underinsured, or hit-and-run driver.
  • Roadside assistance and towing (Optional): This covers your essential options if your car breaks down while out driving, like if all your engine oil leaks out.
  • Rental reimbursement coverage (Optional): This 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 help in choosing your auto liability coverage options.

What Is the Penalty for Driving without Insurance in Burnsville, MN?

In the state of Minnesota, if you do not 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 adequate insurance was not in effect on the date you were cited, you shall be charged with a misdemeanor.

When operating a car in Minnesota, every driver must be able to produce current proof of insurance if pulled over by a peace officer. Following are the penalties for driving without insurance in Burnsville, 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 enact, 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 indigent.
  • In addition to criminal penalties, a person convicted is subject to revocation of a drivers license or permit to drive.

What Is the Auto Theft Rate in Burnsville, MN, and Why Does It Matter?

Your car insurance is partially based on the number of claims filed in your area and Burnsville’s auto theft rate, which should be an excellent reason to carry the appropriate amount of car insurance on all your cars.

The 2018 crime rate in Burnsville, MN was 175, which was 1.6 times lower than the US average. In the last five years, Burnsville has seen an increase in violent crime and an increase in property crime.

  • National auto theft rate per 100,000 vehicles: 228.9
  • Minnesota auto theft rate per 100,000 vehicles: 180.5
  • Burnsville auto theft rate per 100,000 vehicles: 178.6

The risk of your car being stolen is pretty low in Burnsville, but you should remember, you can only be compensated for a car theft if your car insurance policy includes comprehensive coverage. This optional coverage can also consist of a range of non-accident related damages such as floods or structure fires.

If you are leasing or making payments on your car, hopefully, you already have comprehensive coverage. If not, speak with your independent insurance agent to learn how much it will cost to add this non-accident related coverage to your car insurance policy.

Burnsville, MN, Independent Insurance Agent Are There When You Need Them

Independent insurance agents can be especially useful 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 Burnsville, MN, to start comparing personalized car insurance quotes in moments.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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