| Motorists in Minnesota are required by law to | | | | insurance companies is fierce, so you may enjoy |
| have certain types of automobile insurance | | | | a sizable discount just for sticking with the same |
| coverage. Liability, personal injury protection and | | | | company. If they don't offer this, start looking for |
| uninsured motorist coverage are all essential parts | | | | quotes from other companies before your policy |
| of every car insurance policy issued in this state. | | | | expires. |
| Even with all this coverage there are still ways for | | | | Along the same lines it's often better to take out |
| the average driver to find great rates. | | | | a policy that is a year in duration as opposed to |
| If you already have life or home insurance with a | | | | one that only offers coverage for six months. |
| company, ask them about their rates for | | | | The reason being that if the insurance company is |
| automobile insurance. Many people have no idea | | | | going to raise your rates, you won't feel that |
| that their health or life insurance company also | | | | extra pinch for an additional six months and by |
| handles car insurance. You can actually often find | | | | then you may have found a policy that offers |
| a discounted rate on all your insurance needs if | | | | even better rates. |
| you purchase every policy from one insurance | | | | Paying monthly may seem convenient but it can |
| company. The best approach is to ask your | | | | also increase your premium rates. Most |
| current agent about car insurance and then | | | | automobile insurance companies will charge a |
| discuss any other type of insurance you and your | | | | service fee for policy holders who want to pay |
| family require. | | | | monthly as opposed to once a year. Although the |
| Also ask about renewal discounts. If you already | | | | service fee may only be a few dollars a month, |
| have an automobile insurance policy and you are | | | | over a year's time that can really add up. Budget |
| nearing the policy's renewal date, ask your agent | | | | better and pay yearly to save more money. |
| about a renewal discount. Competition between | | | | |