Why Choose an Independent Insurance Agent?

Minneapolis independent Insurance Agent 612.460.7796

Choice it’s something we take for granted.  The ability to determine what’s best for us, our needs, our life.

So many households settle for the insurer that their family used or the ones with the best commercials and don’t consider the options.  Many times they end up paying more for less. It’s not just about price either.  Choosing an experience insurance agent doesn’t cost you more and usually costs less as they know how to properly insure and negotiate the best prices.

Most business and families – if they ever do compare or shop their insurance do so on price alone and limit their chooses and the possibilities of lower prices now and in the future. It may seem logical – but, the best thing to do is shop for the best agent not price.

The best agents will know how to get the best price.  They’ll make sure you have the correct coverage.  They’ll likely have the best relationships with insurance companies and underwriters.  This allows them more options and opportunities to get you the best deal as the underwriters know they can trust an experienced agent. Experienced agents have access to companies and products most other less experienced agents and agencies won’t have. Don’t surrender your choice and shop on price alone. It’s the wrong road and the one most often traveled.

Use an independent insurance agent.  They represent may companies – not just one.  There are many reasons for choosing to use an independent insurance agent.  Contact the Minneapolis Insurance Team and see the difference today.

 

Minneapolis Car Insurance

 

Do You Need a Personal Umbrella?

Are you really protected?  In today’s litigious society – you probably don’t have enough liability insurance coverage.

Aren’t personal umbrellas just for the super rich or wealthy?  Ummm No.

Minneapolis Insurance Coveage

Whether it’s a serious at-fault auto accident, boating accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters ,boat, motorcycle or snowmobile policy.

If it’s an expensive judgment it’s is the last thing you want to worry about – especially if you’re just starting to get ahead after years of hard work. Accidents happen and it could all be gone. And when you find out how inexpensive an umbrella policy is – it will be even worse.

Fill out the form below and do some quick calculations.  Check easy quick and see if you think you should consider an umbrella. If you prefer call or chat with a specialist.

 

 

 

We offer limits ranging from $1 million to $10 million for customers meeting eligibility criteria. And, when you require legal defense for a covered claim, the policy helps cover defense costs such as attorney’s fees and other expenses.

Judgment amount $2,000,000 – $30,000 auto liability limit = ruined… everything ruined. 🙁

The good news…Use the calculator below and then call and speak to a specialists.  It’s highly possible to not only get better coverage – you’ll save money too.  🙂

 

Do you have the coverage you may need?

Total amount you have At Risk:

Current Insurance Protection

Gap in coverage?

Yes

No

"At Risk" Gap (What you need vs. What you have):

Call me to talk about ways to fill the gaps!

If responsible for an accident, you may have to pay for...
  • Car Damage
  • Loss of Use
  • Towing
  • Car Rental
  • Damage to Personal Property
  • Damage to Business Property
  • Environmental Cleanup
  • Modification to a Home
  • Pain & Suffering
  • Towing
  • Loss of Essentials Services
  • Attorney Fees
  • Loss of Wages
  • Medical Bills

 

 

I had a Car Accident – What Do I Do?

Having an accident is no joke. There are many accidents each year and sadly many die  because they were in a collision.  It is important for all drivers to understand just what they need to do if they have been involved in an accident large or small.

Auto Insurance MPLS

 

 

 

 

 

 

 

 

 

The first thing to do is remain at the scene of the accident. Call the police as they will need to make a report of what happened. If you have a camera phone on you and you’re okay then consider taking some pictures. The police will do this as well so it is important to have enough evidence for your auto insurance claim.  Exchange insurance info and ask everyone involved in the accident for their information such as license plate number, driver’s license number, name, address and telephone number.

The second step is to get checked out by an EMT to make sure you’re okay. Many accident victims even those with minor injuries refuse to get medical treatment only to find out they have issues later.  You could be okay one minute and then drop dead the next. Your medical bills could be an issue if it isn’t documented as an accident related injury.

The third step is to go home and call your car insurance agent or  company. A claims representative is usually available 24 hours a day to talk to drivers and begin the claims process. Make sure to have your policy information readily available to help speed up the process.

The fourth step is to make a list of everything that happened. It is important to make notes while everything is fresh in your memory.  Once this is done, you can provide an accurate and clear statement for the insurance adjuster handling your claim.

The fifth step is to give an official statement to your adjuster. Do this as soon as you can to begin the claims process. It’s best to report an accident sooner than later if possible as stories can change.  Don’t just take the drivers word that they were at fault and will make it right.

The sixth step is to wait for the claims adjuster to begin to evaluate the claim. It usually takes about a week for a claims adjuster to get back to a driver about a claim. Be patient, especially if the car accident was serious. The adjuster will need to determine who was at fault and that can take a while in some situations. They generally try to recover your deductible if you were not at fault. Once the claim has been completed, a driver will receive their compensation check if the insurer feels that they are entitled to one. Once the check is cashed and no appeal is requested the claim is closed.

Always keep your auto insurance cab cards in your vehicle and up to date.

Related: Workers Compensation Lawyers Near Me.

The Truth about Water Damage

Most policies don’t come with backup of sewer and drains coverage.  It’s true.  Do you have this coverage?  How much do you have?

According to the Insurance Information Institute – most homeowner and business insurance policies do not cover sewer backup unless specific sewer backup coverage is added to the policy.

Tim Peddycoart – home insurance specialist for the Insurance Specialists Team says to “Check and find out if you have this important coverage on you policy and how much insurance coverage you have available. It’s inexpensive coverage and always seems like a bargain after a loss”

If you have a backup and water damage in your condo or home it can be a big and an expensive mess. It’s a common loss and most policies don’t include coverage for it or don’t provide not enough coverage. You can usually add more coverage to better address your need with an endorsement.  Some basements and lower levels are fully finished and/or store valuables. The cost to replace or restore is often not considered – until it’s too late.

This coverage is needed on condos and townhomes too.  The shared pipes can backup and damage connected units and dwellings below. The master policy likely does not cover this peril.

The cost to add backup of sewer and drain coverage is approximately $20 to $50 a year.  Thomas McAlpine from 24 restore reports “The average loss from water damage is $10,000.”

Check the video below for the truth about water damage. What can be saved?  What should you do first?  What is the minimum amount of coverage one should include? What does it cost?

 

For more information on home insurance call the Minneapolis home Insurance Specialists Team 612.460.7796 get an online quote or start up an online chat.

What to do if you Experience a Sewer Backup

A sewer backup can lead to disease, destruction of your valuables, damage to your house or business, and can even result in electrical malfunctions. Prompt cleanup of the affected property can help minimize the inconvenience and prevent mold and further damage. In the event of sewer backup, turn the water off and immediately arrange for the cleanup of your property. This should include:

•Wet-vacuuming or removing spillage
•Mopping floors and wiping walls with soap and disinfectant
•Flushing out and disinfecting plumbing fixtures
•Steam cleaning or removing wet carpets or drapes
•Repairing or removing damaged wallboard or wall covering
•Cleanup of ductwork

Homeowners and business insurance do not cover flood damage: Only flood insurance will cover your losses in the event of a flood.

If you have water damage… Call 24 restore Office (612) 255-9578 | Toll Free (888) 804-2785  The quicker the damage is mitigated the lower the cost and damage.  Call your agent or 24 restore right away.

Does Having A Home Security System Lower Homeowner’s Insurance?

 

Homeowners Insurance 612.460.7796

These tips are brought to you by The Minneapolis Insurance Specialists Team…333 Washington Ave. N Ste. 300

Yes, it generally will get you a discount.  Many of the home security systems available have come down in price and makes sense to have in your home.

In the process of delivering the best quote for home insurance, home insurance specialists ask about smoke detectors and security systems in your home. Most insurance companies offer some sort of discount for those homeowners who have security systems. Here are few of the different kinds of security systems that can help reduce your home insurance costs.

1.    Outside lights- Set these up on timers so they come on even when you are gone. Also, motion detecting lights are an excellent deterrent and can be     installed at a low cost.
2.    Cameras are also a good deterrent.  Place cameras around outside doors and your yard. Many home improvement stores offer cost-effective products.
3.    Alarms are always a good idea. Alarm systems that are connected to a central station will yield the best discount.

4.    Controlled access to building.

 

Other Home Insurance Credits

Most insurance companies offer many types of discounts for homeowners. We are committed to keeping up on all these discounts to make sure you are getting the best coverage and price. Some of these discounts can include:

1.    Secured entry and over 55 communities
2.    Community security
3.    Updates in wiring and/or plumbing
4.    New roof
5.    No claims
6.    Non smokers – The No. 1 cause of home fire fatalities in the United States is smoking.   Smoking caused 16,000 residential fires in 2012, killing               over 500 people and causing $376 million in residential property loss. Source- U.S. Fire Administration
7.    Senior citizen discounts- If you are over 55 and retired you may have discounts waiting for you.
8.    Sprinklers- Many new home building codes require sprinklers. These can be expensive but will provide home insurance discounts.

9. Credit and insurance score has a large impact on rates.

10. Longevity credits

We have connections to the best security system suppliers. Credit repair people, the best mortgage professionals and contractors we insure and trust. Check our trusted resource page for recommendations and possible discounts for our customers.

The Minneapolis Insurance Specialists Team, Minneapolis, MN will work hard to find you the best possible combination of coverage, price and service. Please call us today at 612.460.7796 or fill out the easy online form or chat for a free quote!

Auto Insurance Comparison through an Independent Agent: Getting the Best Value

The standard way of shopping for anything is deciding what you want and then comparing the prices offered by different stores, companies or providers before making a purchase. And in the auto insurance industry too, a meticulously research, shopping around and rate comparison can help you to save loads of money. In fact, to get the best deal car insurance, the rule is to determine the coverage amount you need, get coverage recommendations and quotes from as many providers as possible, and conducting scrupulous like-for-like policy comparisons, before making your choice. Making a thorough auto insurance comparison will allow you to identify and choose a policy that will give you the biggest savings.

Auto Insurance Compare: Steps of Making Your Cost Comparisons

The auto insurance market has become increasingly competitive, compelling providers to offer amazing deals to their clients. Therefore, if you shop around smartly for your car insurance policy, you are likely to make huge savings. The first auto insurance compare step is asking for quotes from as many reputable providers as possible. As a rule, you should never compare quotes from less than three car insurance companies. And once you receive the quotes, assess them line by line in order to be sure that you are comparing apples with apples. The second auto insurance compare step is comparing the limits of liability coverage provided by every policy. The best policy should have the lowest cost but the highest liability coverage in order to meet the costs of accident-related damages. Higher limits will increase your insurance score too. The third step in the comparison is to check for the size of the deductible, your eligibility for discounts and how you will be covered if you involve in an accident with an uninsured driver. While this process is good it can be time consuming and there could be some traps like giving your info to who knows who and having it sold?

Getting the Best Auto Insurance: Why You Should Use an Independent Insurance Agent?

An easier way and safer way…Apart from saving money on the cost of insurance through policy comparisons, you can benefit greatly from the help and advice of a local independent auto insurance agent. Independent insurance agents represent several car insurance firms and can quote a broad range of insurance products. The agents are professionals in the field and usually have the opportunity to study different insurance carriers in order to match the needs of their clients with the most relevant coverage. In fact, if a policy is only competitive and attractive in the first year and is costly in subsequent years, an independent agent will notice the anomaly and advice you accordingly, helping you to get the most comprehensive coverage at the best possible price.

Independent agents are licensed professionals with strong community and customer ties. They represent multiple companies – not just one.  Because they compare quotes everyday they’ll know which companies have the best prices and services in your area – therefore help their clients to determine insurance needs, access broader policy options, get low-cost coverage, make claims, and make periodic coverage reviews according to changing insurance needs. Besides, independent car insurance agents are value hunters who not only care about their clients’ pocketbooks and always look for the best combination of coverage, price and service for their clients. They also make certain there are no coverage gaps or surprises at claim time wiping out any savings and adding headaches. The agents understand the market; know who to call, how and when to make claims, and where to get solutions for the specific needs of their clients. Furthermore, their services are affordable and they help eliminate the risks of sharing personal information online when looking for the best auto insurance deals. Are you looking for the best deal car insurance coverage? You can achieve your desire by comparing policy prices and quality through an independent agent. It’s the easiest, fastest and safest way to shop. Take the real short cut. Call 612.460.7796 or click to start comparing.  Get Quotes

Should You Purchase GAP Insurance Coverage?

GAP InsuranceChance are good that are when you purchased your new vehicle, the dealership offered you, along with extended warranties, sealants and other extras, gap insurance or “guaranteed asset protection” to protect you from your cars value depreciating lower than your vehicle’s loan balance. GAP insurance may be good idea to purchase it if you don’t make a big down payment and the thought of making payments on a vehicle that was totaled would make you cringe.

It is not uncommon for a vehicle to depreciate by 40% the first two years of ownership and most of that is in the first months of ownership. If your vehicle cost you $50,000 and a few months later you have an accident and it is totaled. For ease of illustration – let’s say your vehicle fair market value is now 40,000 and you owe $48,000. You will be on the hook for $8,000. The loan company will want their money. It’s the old paying for a dead horse scenario.

If you leased a vehicle it was most likely required or factored into the lease. It was added in to protect their asset.

Here are the big tips: If you don’t put down a large down payment and/or you don’t want to take the risk of losing the difference between loan value and market value – you should purchase it.

If you decide GAP insurance is a good idea – get it from your current auto insurance agent. It will most likely be significantly less.  Do it right away as it may not be possible to do it later.  Some companies only allow it at the time of purchase or for a limited time after.

The dealership’s finance person will most likely put the hard sell on you and tell you want it you must purchase right then and there or not at all. They don’t want you contacting your agent, getting advice, and comparing.

If you are a sharp shopper you should tell the finance person thanks, but no thanks. Your insurance agent can add it to your policy – probably for less than half – and if you want to drop it after two or three years you can take it off your policy. It’ll be easier It would be best to call your agent before hand just to make sure your company offers it. There are, although not many, a few companies that do not offer it.

Many people have been purchasing GAP insurance from the dealer at the time of purchase. It can be an emotional and exciting time. Hey – you’re getting a new vehicle and it’s a happy fun time. However, it is easy to get caught into buying the insurance and paying double to protect your new asset. People will buy more when they are excited and in the buying mode. Call your agent and see what it would cost. Use the money saved for extra payments or some new accessories.

This article was written to inform and save you some money. Stay aware.  Take a few minutes and do the math. You will be quite surprised how much you will save. It will probably be around two vehicle payments.

Link to this page:

Should you buy GAP insurance?

Cars that get over 200,000 miles

Car in MPLS Purchasing a car should never be considered an investment, mainly because it loses value the moment you drive it off the lot.  You have taxes and higher insurance costs to consider then the more miles you put on it will drop its value.  It’s not the greatest investment.

However, with regular maintenance, a good auto mechanic and body shop you can keep your car running well for years and get the most mileage for your money.  The money you save can on payments, insurance, tabs, etc. can help pay for or put a large down payment on your next new vehicle.

A study iSeeCars.com found the top vehicles most likely to reach 200,000 miles, based on data it had of vehicles for sale with that many miles or more on the odometer. Pickup trucks were found to be driven longer, at 90,000 miles on average per listing, compared to 75,000 average miles for a car. Pickup trucks – if well kept seem to look timeless.

Here are the top vehicles reaching 200,000 miles or more are:

  1. Ford F-250 Super Duty
  2. Chevrolet Silverado 2500HD
  3. Chevrolet Suburban
  4. Toyota 4Runner
  5. Ford Expedition
  6. GMC Sierra 2500HD
  7. Chevrolet Tahoe
  8. GMC Yukon XL
  9. Toyota Sequoia
  10. GMC Sierra
  11. GMC Yukon
  12. Honda Accord

Want to try and get to 200,000?

Getting to 200,000 miles in today’s vehicles is like to getting 100,000 miles was in the past, mainly because cars are built so much better today.

Preventative maintenance with regular oil changes and keeping your car washed and free of dents and scratches is the best way to increase mileage and longevity. This includes replacing belts, timing belts and transmission clutches at recommended mileage levels, and checking fluid.

In places like Minneapolis the body is likely to go before the mechanical fails – so, it’s important to keep’em clean and the salt off.

 

How many miles does your vehicle have?  Comment below and send a picture if you can.

 

Know the basics of auto insurance

It helps to know about the basics of auto insurance.  Many people don’t know and it costs. Picking auto insurance that fits your needs and the needs of your family is important, so here we’ll give you the basics.  Many people shop on price alone and lose site of the purpose of auto insurance.  What’s the point of buying a cheap policy for a good price if it doesn’t provide you with the coverage you may need?

Here you’ll find information about car insurance and answers to some common questions. If after reviewing this material, you still have questions, call one of the insurance specialists.  They’re here to help you and won’t pressure you – they’ll just help you.

What is auto insurance?

 Auto insurance is meant to cover you if you cause injuries to others or damage their property in an auto accident. It  also provides protection if your vehicle is damaged in an accident or is stolen. What protection you have is spelled out in your auto insurance policy.

An auto insurance policy is a contract between you and an insurance company. You, the customer, pay a certain price (“premium”) to the insurance carrier in exchange for a set of coverages you select. Your policy describes what the insurance provider will or will not cover.

 

What does auto insurance cover?

At a high level, auto insurance typically provides four basic things—liability coverages (for injuries to others and damage to their property), coverage for damage to your car or cars, coverage for medical expenses and uninsured motorist coverages (for situations where someone without enough insurance injures you or a family member). There are a variety of coverage options available; they may vary by state and company.

 

What are the common auto insurance coverages?

Bodily injury liability coverage generally pays damages for bodily injuries to the driver and passengers of the other vehicle when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Property damage liability coverage generally pays for damages to another person’s property (e.g. their car) when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Medical payments coverage generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.

Some states have personal injury protection (PIP) in place of, or in addition to, medical payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily injury sustained as the result of a car accident.

Uninsured or underinsured motorist bodily injury coverage generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance. This coverage varies greatly by state. In some states it may be a combined coverage, while other states may offer it as two separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).

Collision coverage generally pays for damage to your car if it hits another car, object, or overturns. A deductible applies to this coverage.

Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.

What should I consider when purchasing auto insurance?
When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Or, get help by working with an insurance agent which is what we recommend as it doesn’t cost any more to have a pro on your side and will likely help you save.

Local agents likely know which companies offer discounts or savings incentives.  An experienced agent will know how to get you the best coverage at the lowest cost.  Sometimes it actually cost less when you have better coverage with higher liability limits as it places you into different rating tiers and helps your insurance score.

When you shop online and purchase without an agent – you become your own agent and if you make a mistake like not adding glass coverage or some other more important coverage it won’t be covered.  If an agent makes a mistake they have E&O insurance.  The insurance company is the only one to benefit by you acting as your own agent.

 

You could also check out the blog as it has many articles on savings and tips. Below are a few simple questions to help you start evaluating your needs.

  1. What is your household salary? What are my assets? How much in savings and equity do I have? How much are you willing to risk and insure? Essentially, the higher your salary and net worth, the more you stand to lose if you are ever found liable for an accident.  The more attractive to attorneys you become. The more assets you have, the more coverage you might want to consider.
  2. How old is my car and how much is it worth? Do I own my car outright or is it leased or financed? The model year and original cost of your car helps determine the approximate value of your car today. If the value of the car is low and you own it outright (i.e. no loan or lease), you may want to think about whether you really want comprehensive or collision coverages. On the other hand, if you lease or finance your car, your lender or car dealership probably requires comprehensive and/or collision coverage.
  3. How much am I willing to pay out-of-pocket? Deductibles are applicable to certain coverages, such as comprehensive and collision coverages. In the event of a loss, a deductible is the amount that you must pay out-of-pocket before your insurance kicks in. A higher deductible could lower your premium.
  4. Do I have health insurance? Auto insurance can include medical payments coverage for you and your passengers. If you don’t have your own health insurance, you should consider purchasing some type of medical payments coverage on your policy.
  5. Do I have children of driving age? Children are generally more inexperienced drivers and can present a greater risk on the road. If you have children of driving age, you might want to consider purchasing higher limits of liability coverage.

 

MPLSCarInsurance

Know the basics of auto insurance

 

 

 

 

 

Friendly local agents are here to help you get bigger savings, better coverage, and provide you with the best service.

Call the Minneapolis Auto Insurance Specialists Team 612-460-7796.

Staying Fit in Winter

Staying fit during Winter months can be a challenge.  However, your fitness is one of the most important things you can do to maintain your health, longevity and overall mood. Exercise has been proven to alleviate symptoms of depression, boost your immune system and can even help curb an excessive appetite. Weight training and yoga are great for your body, but you need to include cardiovascular workouts into your exercise routine to keep your heart healthy.

There are several different activities you can choose from to raise your heart rate sufficiently. Below are the ten best exercises you can engage in.

Walking:

Walking in a mall is a great way to stay fit and warm.  Average calories burned: 360/hour when walking at 4.25 miles per hour.  Walking a half an hour a day is probably the healthiest activity you can choose.

Walking is an awesome way for people to begin their journey into cardiovascular fitness. Some say it’s the best thing you can do. When the weather outside is okay, it can be extremely enjoyable to put on your headphones and take a stroll through your neighborhood. Listen to podcasts and books on tape and the time will fly.

For many beginners, walking at a rate of about 3.0 miles per hour is a good starting point. You can eventually work your way up to at least 4.0 miles per hour or spend a good portion of your walk going up hills, you can get your heart rate up sufficiently.

On days that the weather is not cooperative, you can do your walking on a treadmill. While the scenery is not as interesting, a treadmill will lower the impact on your joints as you step and will allow you to monitor your rate of speed.  Exploring the different malls and making sure you walk as much as possible before or after shopping.  It is possible to just look.

Step Aerobics:

Average calories burned: 375/hour at a leisurely pace, or 600/hour with a high-intensity session

Step aerobics was very popular in the 80’s and 90’s with Jane Fonda and other celebs promoting aerobics but has since tapered off a bit. However, this is one of the best ways for newbies to transition from couch blobs to fitness stars in the privacy of the home. You can use a step aerobics video to get the hang of the different steps and can then improvise your own workout while watching TV. Using a stepper is a quiet activity that requires very little room in your home.

If you spend just a half-hour a day slowly stepping while watching your favorite sitcom, you could burn an extra 1,300 calories a week and lose two pounds a month. Doing this activity faster, more intensely or for longer periods of time will have an even greater impact.

Elliptical Trainers:

Average calories burned: 425/hour when moving at a slow, comfortable pace or 600/hour at a brisk pace

Elliptical trainers are a great choice for beginners, as you can start off slow and work your way up to expert fitness levels all on the same machine. Elliptical trainers are some of the most popular cardio-fitness machines at the gym with good reason. These machines work both your upper and lower body while providing a low-impact workout. You can vary your workout by going forward or backward on them. Most people find these machines intuitive to use and easy to stay on for long periods of time.

Stairs:  Average is around 12 calories a minute

Whether you use a stair machine or just walk up and down the stairs of your office or condo is an awesome way to mix things up and turn it up a notch.

Being healthy will save moiney on health insurance, life insurance, improve your moiod and just make life much fuller and more fun.