Minnesota is one of the states where forced insurance is legal. This means that for anyone who purchases a late model car, the lien holder can take out comprehensive coverage on the vehicle and charge the new owner for the cost. Not only is this intrusive but it tends to be very expensive too. A much better and affordable approach is to seek out your own automobile insurance policy.
When you are in the market for auto insurance in Minnesota first consider who will be covered under your policy. If you or your spouse is over the age of fifty-five, you can save on insurance costs if you take a defensive driving course to prove that you are not a risk behind the wheel. If you have a teenager in the home that is itching to drive, enroll them in a driver's training course. Classes like this, although costly, do help to reduce insurance costs substantially.
Another way to find affordable auto insurance may be with your home insurance company or the company that underwrites your family's health insurance. Many companies offer reduced rates to clients who purchase two or more types of insurance from them. This is a great way to actually save on all your insurance costs, so ask your agent if this is an option for you.
Parking in a safe place has rewards in terms of the money saved on insurance too. If you have a garage that is filled with odds and ends, clear it out and put your car in there at night. The insurance company you deal with may see that as a safer spot than on the street and they'll give a small discount for it. You will not know what auto insurance deals you are eligible for until you ask your agent what discounts there are.