Cheap Auto Insurance Rates - 4 Easy Paths to Deeper Discounts As a "no-fault" state, Minnesota motorists are responsible for their particular repairs and medical expenses if in a matter which driver reaches fault. This places the responsibility of monetary responsibility on everyone involved inside accident, so MN motorists must carry Personal Injury Protection (PIP) for at least $40,000. Bodily Injury Liability is essential at the same time, with limits of $30,000 per individual or higher to $60,000 coverage per accident. Minnesota also takes a minimum Property Damage Liability policy of $10,000. Another type of auto insurance thats required in Minnesota is Uninsured/Underinsured Motorist coverage, that includes a limit of $25,000 per person and $50,000 per accident. The first rule is usually to stop. If you are the motive force of a single with the cars you must never leave the scene before the police arrive. You can pull over to get rid of traffic if youre able though. Remember this above everything since enter a lot of challenge with the law for hit-and-run accidents. The second thing which must be kept in mind is always that you can go for the vehicle insurance through the same company from which youve got your earlier policies like health, life etc. The customer would get a cheaper premium by this method. It is best to not switch companies year after year for any policy. In case the buyer has been while using company for longer than 5 years the consumer should avail a Long Term Policy Discount. You can also avail a minimal policy discount in case you drive under 500 miles monthly. There can be around 30% fluctuation in quotes provided by different companies. Getting cheap auto insurance rates is car insurance new drivers easy once you learn learning to make the right tradeoff between premiums and coverage. Usually, its also wise to plan to avoid DUI and DWI charges if youd like less expensive insurance. Also, never choose insurance policies available from banks as a moment car load. Always look for policies outside of those sold during acquisition of your vehicle. It is important in or less all cases. You need not concern yourself with the rates as GAP is fairly low priced. You require this at the time youre buying or leasing any new car which ought not to be assumed to reduce costs. You must ask your insurer to provide the quantity for a coverage back then you buy to get a policy.