Best Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Minnesota
Insurance can be a tricky business. Baxter residents know just how hard it is to find the perfect coverage that meets their needs and fits within their budget. That's why using an experienced broker or agent to help you shop for insurance in Minnesota can be invaluable. Here are some of the top reasons for using a broker/agent over going directly to an insurance carrier:
Personalized Service- A Baxter broker/agent will take the time to listen to your individual needs and preferences, then build a policy that works specifically for you. They will provide personalized service tailored to your unique situation, helping you get the most out of your policy while also avoiding costly pitfalls.
Knowledge & Experience - Baxter brokers/agents are familiar with the Minnesota insurance market and know all of the ins and outs. They have the knowledge and experience to find you the best coverage at an affordable price.
Multiple Comparisons- By using a broker or agent, Baxter residents can compare multiple policies side by side in order to make sure they are getting the best possible deal for their needs. Without an experienced professional, it would be nearly impossible to compare options from different carriers on your own.
Save Time & Money - Working with an experienced Minnesota broker or agent will save you both time and money in the long run. They can help you avoid common pitfalls while also ensuring that you're getting a great deal on your policy.
Using an experienced Minnesota broker or agent to help you shop for insurance can be a great way to ensure that you're getting the best coverage at the lowest cost. If you want to make sure that your Minnesota policy meets all of your needs and fits within your budget, then it makes sense to work with a professional who knows the Baxter insurance market inside and out.
3 Things to Know Before Going to an Auto Body Shop in Minnesota
Minnesota is a state with a wide variety of transportation options, from buses and taxis to carpooling and ride-sharing. But if you're the proud owner of a vehicle, chances are you'll need to visit an auto body shop from time to time. Whether it's for minor repairs or major collision work, Baxter auto body shops provide many services that help keep your car in top condition. Here are three things you should know before going to an auto body shop in Minnesota:
Minnesota Requires Auto Body Shops to be Licensed - Before bringing your vehicle into any Baxter body shop, make sure they are licensed by the Minnesota Department of Public Safety. All technicians working at the facility must also be certified and registered with the Minnesota Board of Automotive Repair. This ensures that you will receive quality service from knowledgeable and experienced technicians.
Request an Estimate - Minnesota auto body shops must provide you with a written estimate before any work is done on your vehicle. Make sure to compare prices between different body shops, and get an itemized list of the services being provided so there are no surprises afterward.
Check for Warranties - Minnesota law requires all Baxter auto body shops to offer consumers at least one year/12,000-mile warranty on body repair work they have performed. Additionally, most insurance companies will honor warranties provided by Minnesota auto body shops, so it's important to check with your insurer as well. With these tips in mind, you can be sure to get the best service and value from Minnesota auto body shops.
4 Steps of Insurance Claims Process After an Accident in Minnesota
Report the Accident: Minnesota law requires all drivers involved in an accident to report it to their respective insurance companies as soon as possible. Drivers should also contact the Minnesota Department of Public Safety if the accident results in injury, death, or property damage exceeding $1000.
Get Necessary Documents: Minnesota law requires drivers to provide certain documents when filing a claim with their insurance company. These include police reports, bills for repair work and medical expenses, pictures of each vehicle involved in the accident (if available), proof of income lost due to injury, and other relevant documents.
Negotiate with Insurance Company: After receiving a claim from a Baxter driver, an insurance company may attempt to negotiate a settlement. Minnesota drivers should remember that the insurance company is looking to minimize their liability and pay out as little as possible, so it's important for Minnesota drivers to have all relevant documents when negotiating a settlement with their insurer.
File an Appeal: If Minnesota drivers are not satisfied with the terms of their settlement, they can file an appeal with Minnesota's Department of Commerce. The department will review the case and make a binding decision regarding the claim. It's important for Minnesota drivers to remember that filing an appeal may take several months before any resolution is reached.
10 Best 2 Door Vehicles in Minnesota
Minnesota is known for its cold winters, but that shouldn't stop you from enjoying a two-door vehicle. Whether you're looking for a small and sporty ride, or something larger with more cargo space, Baxter has plenty of great two-door options to choose from. Here are the top 10 best 2 door vehicles in Minnesota:
Volkswagen Golf GTI - This compact hatchback offers an iconic European design, powerful performance, and great fuel efficiency all in one package. The Golf GTI comes with either a manual or automatic transmission along with a variety of trim levels to suit any budget.
Mazda MX-5 Miata - This lightweight roadster combines classic style with modern amenities like Bluetooth connectivity and a retractable hard top. The Miata is perfect for Baxter drivers looking to enjoy a fun and exhilarating driving experience.
Chevrolet Corvette - This classic American sports car offers powerful performance with its V8 engine and advanced technology like adaptive suspension and magnetic ride control. With the Corvette, Minnesota drivers can experience the thrill of driving while still having plenty of cargo space in the trunk.
Ford Mustang - The iconic Mustang is still one of the best two-door cars on the market today, offering great style and plenty of power options ranging from EcoBoost four-cylinder engines to V8s with over 600 horsepower.
Nissan 370Z - This affordable sports car combines classic styling with modern performance. It has plenty of torque and acceleration, plus a variety of trim levels to choose from depending on your budget.
Audi TT - The Audi TT is the perfect two-door coupe for Baxter drivers looking for luxury and performance in one package. It features a powerful turbocharged engine, all-wheel drive, and sleek styling that will turn heads wherever you go.
BMW Z4 - This two-seat convertible provides great comfort and performance while still allowing Minnesota drivers to enjoy the open air and stunning views of the state's landscape.
Tesla Model 3 - With its electric motors, the Model 3 offers instant power for an exhilarating driving experience along with long range capabilities for Minnesota drivers who want to explore the state.
Mercedes-Benz S-Class Coupe - Minnesota drivers who want luxurious accommodations and performance can look no further than this two-door coupe from Mercedes-Benz. It features a twin-turbocharged V8 engine, all-wheel drive capabilities, and an interior that will keep you comfortable on any journey.
Dodge Charger - The four-door Charger is one of the best two doors vehicles for Minnesota's streets thanks to its powerful V6 or V8 engines and aggressive styling. With plenty of tech features like Apple CarPlay and Android Auto compatibility, the Charger has everything Baxter drivers need for their daily commutes or weekend road trips.
10 Cheapest Vehicles to Insure in Minnesota
Shopping for Baxter auto insurance can be a tricky business. With so many different insurance providers and options, finding the right coverage at the best price can be overwhelming. To help you get started, here is a list of some of Minnesota's cheapest vehicles to insure:
Honda Accord - The Honda Accord is known for its reliable performance and affordability, making it one of Minnesota's least expensive cars to insure.
Toyota Camry - The Toyota Camry is another great option when it comes to Minnesota auto insurance costs. It has a great safety record and a solid reputation as an affordable car to insure.
Subaru Forester - The Subaru Forester offers good value for money and excellent fuel economy, making it a great choice for Baxter drivers.
Ford Fusion - The Ford Fusion is an affordable midsize sedan that is perfect for Minnesota drivers looking to save on their auto insurance premiums.
Chevrolet Silverado - This full-size pickup truck offers some of the best value when it comes to Minnesota auto insurance rates, making it an ideal choice for those who need a reliable and affordable ride.
Honda Civic - The Honda Civic has long been one of Minnesota's most popular vehicles due to its reliability and affordability. It also boasts great fuel efficiency which helps keep Baxter auto insurance costs down.
Toyota Corolla - From its stylish design to its relatively low cost of ownership, the Toyota Corolla is a great option for Minnesota drivers looking to save on their auto insurance premiums.
Nissan Altima - The Nissan Altima offers Minnesota drivers good value for money and excellent fuel efficiency, making it one of Minnesota's most affordable cars to insure.
Volkswagen Jetta - This popular German-made sedan is noted for its reliable performance and affordability, which makes it an ideal choice for Baxter drivers who are looking to keep their auto insurance costs low.
Chevrolet Malibu - The Chevrolet Malibu has long been one of Minnesota's favorite vehicles due to its affordability and reliability. It also boasts great safety features which can help lower Minnesota auto insurance rates.
5 Best Minivans in Minnesota
Chrysler Pacifica: The Chrysler Pacifica is one of Minnesota's most popular minivans. It offers plenty of cargo and passenger space with room for up to eight people. It also has an impressive fuel economy rating, making it an excellent choice for families living in Minnesota who want a reliable and efficient vehicle without sacrificing comfort or convenience.
Honda Odyssey: The Honda Odyssey is one of Minnesota's most popular minivans. It offers plenty of cargo and passenger space with room for up to eight people and a variety of features that make it an ideal choice for Minnesota families. The Honda Odyssey has impressive fuel economy ratings, making it an excellent option for Baxter drivers who want a reliable vehicle without breaking the bank.
Toyota Sienna: The Toyota Sienna is another great minivan option in Minnesota that offers plenty of passenger and cargo space as well as some impressive safety features. It also has great fuel economy ratings, so Minnesota drivers can feel confident they're getting the most out of their money when it comes to fuel efficiency.
Kia Sedona: The Kia Sedona is Minnesota's most affordable minivan option. It offers plenty of cargo and passenger space, as well as some great safety features that make it an ideal choice for Minnesota drivers who want a reliable vehicle without spending too much money. Plus, the Kia Sedona has excellent fuel economy ratings so Baxter drivers can feel confident they're getting the most out of their money when it comes to fuel efficiency.
Dodge Grand Caravan: The Dodge Grand Caravan is one of Minnesota's best minivans for families on a budget. It offers plenty of cargo and passenger space with room for up to eight people, plus some impressive safety features that make it an ideal option for Minnesota drivers who want a reliable vehicle without spending too much money. It also has great fuel economy ratings, making it a good choice for Baxter drivers who are looking to save on fuel costs.
No matter what kind of minivan you're looking for in Minnesota, there is sure to be an option that fits your needs and budget. Whether you're looking for a luxurious vehicle or something more affordable, Minnesota has plenty of great minivans to choose from.
4 Benefits of Adding Someone to Your Auto Insurance Policy in Minnesota
Auto insurance is an important financial decision to make, especially for Baxter drivers. Minnesota requires auto insurance for all drivers and there are numerous benefits to adding another person to your policy. Here are four benefits of adding someone else to your Minnesota auto insurance policy:
Lower premiums - Adding someone else to your auto insurance policy can save you money on your monthly premiums. With two people under the same policy, a combined discount may apply which helps lower your overall costs.
Shared responsibility - If you choose to add a driver with a high-risk profile such as a young driver or older adult, both parties will share in the responsibility of paying for damages incurred from any accidents that might occur during the term of the policy.
Increased coverage - Adding someone to your Baxter auto insurance policy can also increase the amount of coverage available in case of an accident or other incident. This can help protect both parties from any financial loss due to damages.
Easier claims processing - Having two people under one insurance policy will make the claims process easier and faster if something should happen during the term of the policy, such as an accident or theft. Both parties will be able to file their claim at the same time and receive a response more quickly than if they were on separate policies.
Cost of Car Insurance in Different Age Groups in Minnesota
In Baxter, car insurance costs can vary considerably from group to group based on age. Teens, in particular, are often faced with high premiums due to their lack of experience and high-risk potential. On the other hand, more mature drivers tend to enjoy lower rates as they have a longer history of safe driving behind them. Here is a look at what Minnesota residents can expect when shopping for car insurance across different age groups:
Teens (ages 16-19): Minnesota teens pay some of the highest auto insurance premiums in the country due to their inexperience on the road. The average cost for full coverage insurance for teens sits around $3,715 per year - nearly triple what a driver aged 20-24 pays.
Young Adults (ages 20-24): As young adults gain more experience and mature, their car insurance premiums begin to drop. Minnesota drivers aged 20-24 pay an average of $1,593 per year for full coverage - nearly half the cost of coverage for teens.
Adults (ages 25-64): Minnesota adults aged 25-64 can expect to pay an average of $1,028 per year for full coverage car insurance - a major savings compared to younger age groups. Drivers in this age group typically enjoy lower rates due to their longer history of safe driving and lower risk potential.
Seniors (ages 65+): Minnesota seniors aged 65 and older generally have some of the lowest car insurance rates in the state. The average cost for full coverage car insurance for Minnesota seniors is just $952 per year, making it one of the most affordable age groups.
5 Driving Violations That Require High Risk Insurance In Minnesota
Minnesota is known for its long and winding roads, as well as beautiful scenery. But when it comes to driving in Minnesota, there are certain violations that can require drivers to carry high-risk insurance. Here's a look at some of the most common driving violations that require Minnesota drivers to obtain high-risk insurance:
Driving Under the Influence (DUI): A DUI conviction carries serious consequences in Minnesota, including license suspension, hefty fines, and potentially jail time. As such, any driver convicted of a DUI will be required to carry high-risk insurance coverage in order to legally drive again.
Reckless Driving: Minnesota law defines reckless driving as “a careless or negligent manner of operation of a motor vehicle that endangers or is likely to endanger persons or property.” Baxter drivers who are convicted of reckless driving can expect to be required to carry high-risk insurance for a period of time.
Driving Without Insurance: Minnesota requires all drivers to carry a minimum level of auto insurance coverage in order to legally drive. Drivers caught operating without proof of insurance will face fines and could also be required to obtain high-risk insurance coverage in order to legally drive again.
Accidents Involving Injury or Death: Minnesota law requires drivers involved in an accident that causes injury or death to others must hold at least $30,000 worth of liability insurance coverage and at least $10,000 in property damage coverage. If an at-fault driver does not have the proper insurance, they may be required to get high-risk insurance coverage.
Habitual Traffic Offenses: Minnesota drivers who are repeatedly convicted of traffic violations can face a license suspension, as well as the requirement that they obtain high-risk insurance coverage in order to legally drive again.
For Baxter drivers, understanding these common driving violations and their associated penalties is important for ensuring that you always have the proper coverage when operating a motor vehicle. High-risk auto insurance is expensive; however, it's an important safety measure and is sometimes necessary in order to stay on the road legally.
Top 8 Car Insurance Companies by Least to Most Expensive in Minnesota
Baxter drivers have a wide range of car insurance companies to choose from. In order to help Minnesota drivers find the most affordable and reliable coverage, we've put together a list of the top 8 car insurance companies in Minnesota from least to most expensive.
Western National Insurance Company
Minnesota Mutual Insurance Company
Secura Insurance Company
Rural Mutual Insurance Company
Minnesota Valley Insurance Company
Blue Cross Blue Shield of Minnesota
USAA (United Services Automobile Association)
State Farm Insurance Companies
7 Different Auto Insurance Discounts in Minnesota
Baxter is a great place to call home, and it's also an excellent state for finding affordable auto insurance. Minnesota drivers can enjoy some specific discounts that other states may not offer, such as multi-policy discounts and pay-in-full discounts. Here are seven different auto insurance discounts available in Minnesota:
Multi-Policy Discounts - Minnesota drivers who carry multiple policies through the same insurer often qualify for a discount on their premiums. This could include both car and homeowners insurance, or multiple cars insured under one policy.
Pay in Full Discounts - Insurers typically reward customers who choose to pay their premium in full instead of monthly installments with a discounted rate. This discount varies by insurer but can range from 5-15%.
Good Driver Discounts - Minnesota drivers with a clean driving record may qualify for a good driver discount from their insurer. This discount is typically based on the number of years since you've had any traffic violations or accidents.
Safety Course Discount - Baxter drivers can take an approved safety course and receive a discounted rate on their auto insurance premiums. The courses must be completed in person and approved by Minnesota's Department of Public Safety to qualify for this discount.
Low Mileage Discounts - Minnesota drivers who put fewer miles each year on their vehicle may qualify for a low mileage discount from their insurer. Insurers typically set the threshold at less than 10,000 miles per year to qualify.
Anti-Theft Device Discount - Baxter drivers can install an anti-theft device on their vehicle and qualify for a discounted rate from their insurer. The devices must be approved by Minnesota's Department of Public Safety to qualify for this discount.
Loyalty Discounts - Most Minnesota insurers offer loyalty discounts to customers who have been with the company for several years, typically 3 or more years. This could include up to 10% off your premium depending on the insurer.
Overall, Minnesota is a great state for finding affordable auto insurance and there are many different discounts available that can help you save even more money! Be sure to ask your insurer about these potential discounts when shopping around for car insurance.
Auto Theft Statistics in Minnesota
Minnesota ranks 7th among states in the rate of auto theft per capita. According to Minnesota's Department of Public Safety, there were 6,001 reported motor vehicle thefts in Minnesota in 2019. This number has been steadily declining since 2017, when Minnesota saw a total of 8,029 reports. Minneapolis and St. Paul have particularly high rates of auto theft - approximately 2 out of every 1,000 vehicles are stolen each year in these cities.
Preventing auto theft is an important issue for law enforcement and citizens alike in Minnesota; there are several steps you can take to protect yourself from becoming a victim. These include parking your car in a secure location such as a garage or driveway with motion-activated lighting; investing in anti-theft devices like VIN etching and tracking devices; and keeping your vehicle's doors locked, even when you're in it. By taking these precautions and remaining alert to suspicious activity, Baxter residents can help reduce the risk of becoming a victim of auto theft.
5 Benefits of Traffic School or Defensive Driving Classes in Minnesota
Traffic school and defensive driving classes are offered across Minnesota to help drivers become better educated on the rules of the road. Attending one of these courses can provide numerous benefits for Baxter drivers, including:
Avoiding Points on Your Driving Record: Minnesota drivers who attend an authorized traffic school or defensive driving class may be able to avoid having points added to their driving record after being convicted of a moving violation. This means fewer points which could result in a lower insurance premium or keeping your license valid if you already have too many points on your record.
Keeping Your Insurance Rates Low: Participating in traffic school or defensive driving classes is seen favorably by insurers, as it shows that you are taking precautions to become a safer driver. Many Baxter Minnesota insurers offer discounts to drivers who attend these courses, so be sure to ask your company if you qualify for a discount after completing the course.
Learning Minnesota's Driving Laws: Minnesota has specific rules and regulations that are important for all drivers to understand and abide by in order to stay safe on the road. Attending traffic school or defensive driving classes will help ensure that Minnesota drivers know exactly what is expected of them when they get behind the wheel.
Becoming A Better Driver: Traffic school and defensive driving classes provide an opportunity for Minnesota drivers to hone their skills and become better motorists overall. The courses focus on teaching participants how to anticipate hazardous situations, recognize risky behaviors, deal with distractions, and respond to emergency situations.
Earning a Completion Certificate: Baxter drivers who successfully complete traffic school or defensive driving classes are awarded with a certificate of completion, which can be presented to the Minnesota Department of Motor Vehicles if needed. This certificate serves as proof that the driver has taken the necessary steps to become an informed and responsible motorist in Minnesota.
Overall, attending a Minnesota-approved traffic school or defensive driving class can offer numerous benefits for Baxter drivers. From avoiding points on their license to earning discounts from insurers, these courses provide a great opportunity for motorists to gain valuable knowledge and become better informed about Minnesota's rules of the road.
12 Interesting Driving Statistics in Minnesota
Minnesota is a great place to explore and travel by car. The Minnesota Department of Public Safety provides interesting driving statistics related to Minnesota drivers. Here are 12 notable Minnesota driving facts:
Minnesota has the fifth highest number of registered vehicles in the United States, with over 4 million cars, trucks, buses, motorcycles and recreational vehicles registered statewide.
Minnesota has more than 114,000 miles of public roads across the state that cover an area greater than the size of Maryland and Delaware combined.
The average Minnesota driver spends around 221 hours behind the wheel each year—that's about 9 full days!
Over 5 million traffic citations were issued in Minnesota between 2014 and 2018—including speeding tickets, texting and driving citations, and other violations.
Minnesota ranked third in the nation for distracted driving fatal crashes from 2014 to 2018, with an average of nearly 80 fatalities each year.
Minnesota also ranked fifth nationally for impaired driving fatalities during the same time period, with an average of 186 alcohol-related deaths each year.
Minnesota saw a decrease in overall traffic fatalities between 2014-2018—from 521 deaths to 477— largely due to increased safety measures like seatbelt laws, laws against distracted and impaired driving, and education campaigns about car safety.
Minnesota's Motorcycle Safety Advocacy Program launched in 2009 and has been credited with reducing motorcycle accident fatalities by 21 percent between 2010 and 2018.
Minnesota was one of the first states in the country to pass a law that prohibited texting while driving for all drivers in 2008, and it has been credited with reducing distracted driving related fatalities by nearly 10 percent between 2014-2018.
Minnesota is one of the top seven states in the country for teen driver safety— with an average of 24 teen driving fatalities each year from 2014-2018.
Minnesota's seat belt usage rate is among the highest in the nation at 94%, which helps to reduce serious injuries and deaths on Minnesota roads each year.
Minnesota drivers are among some of the safest drivers in the country—with an overall fatal crash rate lower than both national and state averages.
What is the average car insurance rate in Baxter Minnesota?
The average rate for Baxter is $1,305. Look for discounts to make this even more affordable.
What is the minimum coverage required in Baxter MN?
In Baxter Minnesota, your policy must have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $10,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Baxter MN?
Average cost for two vehicles in Baxter is $3,367. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Baxter MN?
To get low cost car insurance in Baxter, MN, simply fill out the form above and compare quotes then pick the best one.