Finding full coverage car insurance in Minnesota isn’t difficult if you know what to look for. The scope of the policy you choose will depend largely on the type of vehicle you drive as well as your own driving history. If you’ve recently purchased a new vehicle, you are going to want extensive coverage that will adequately protect your investment.
If you had to borrow to purchase the car, it’s entirely possible that the lien holder will demand you have comprehensive coverage on the vehicle. Not only is this mandatory, but it’s also advisable. This coverage will protect you in the event that your car is a write-off. Glass coverage isn’t always offered as part of comprehensive coverage, but if you have a mini-van or a vehicle that has expensive glass, consider opting for glass coverage too.
When a person is involved in a serious accident and their car is indeed totaled, their insurance may not cover the cost of a rental car. You’ll need something to drive before you are given the opportunity to purchase a new car, so ask about this type of coverage when you purchase your full coverage insurance policy. It’s typically only a few dollars and if you do need it, you’ll be glad you invested the money to have it added to your coverage.
Most policies provide extra coverage when the driver wants to venture out and cross the border into another state or Canada. If you decide to head south to Mexico, you’ll need another policy to protect you and your car. Although you certainly won’t want to be paying for this on a regular basis, if you know that you will be taking your car into Mexico, get the coverage in place before you leave. Otherwise you could stand to lose a lot if you are involved in a collision while there.