Auto insurance does vary from state to state, which can make things a bit confusing if something happens out of town or if you move around a lot. Learn more about what you have to consider if you live in Rochester, MN. Safechoice Insurance Agency wants you to have the facts first. 

State Minimums 

Each state has set out their own minimums when it comes to staying legal. This means that if you want to get the bare minimum, you’re capped off at a certain amount. In New Hampshire, you’re not even required to buy auto insurance, making it unfortunate if you’re hit by someone from that state. In Minnesota, you need to have at least $30,000 worth of coverage for bodily injury, $10,000 for physical property and $60,000 limit for each incident. This is one of the higher minimums, meaning you likely won’t need to pay anything out of pocket. 

Understanding the Law 

Staying legal isn’t just about minimums though, it’s about thinking ahead. What happens if someone hits you and they’re uninsured? Do you have the time or the money to either go through litigation or to fix your car on your own? Most people who sue uninsured motorists are unable to recover anything, so this is a major concern. You may need additional coverage and not even know it. Safechoice Insurance Agency can help you make better choices when it comes to staying safe on the road. It’s tempting to go with the cheapest policy, but that choice can end up costing you more than you ever could have imagined. Call us today if you live in Rochester, MN and want to have your questions answered or if you need a quote.