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

 

Condo Insurance and FAQ 612.460.7796

CondoInsuranceMPLSCondos are popping up all over Minneapolis, all of them are different. The associations and condo insurance policies can be vastly different too.

Minneapolis was the fastest growing city in Minnesota in 2014 this was the first time in around 100 years and 2015 looks to repeat.  Minneapolis is the largest city in Minnesota and growing again.

Much of the growth has been downtown and condos. There are over 35,000 residents living just downtown. If you are thinking about moving into a condo or have recently moved into a condo, you probably have a lot of questions about the complex that you have gotten into and about things such as affordable and the right condo insurance coverage. Though not all of these questions can be answered because each condo will vary, the basics of learning some of the rules of your condo complex is actually not that difficult to do.

 

You’ll want to look at or better yet – have your insurance agent look over the condo associations master policy.  Are just the contents and liability covered?  These policies vary and you’ll need to know things like what is covered and what the associations deductibles are and how much loss assessment coverage you’ll need on you HO6 policy “condo and town home policy”

You’ll also want to read the bylaws they are all different too. If you want to determine the answers to questions like whether or not pets are allowed?  Are rentals allowed? Are there are designated parking spaces in your condo complex?

Learn the Rules Before You Buy

Condos are like snowflakes, all of them are different. Of course, this is not to the same degree, but it can be said about the rules that are found in each individual condo complex and they can impact your condo living experience.  Condo insurance policies vary too and even though they are generally less expensive than home insurance policies they are often the most improperly insured.  Don’t just assume the associations bylaws and insurance policies are the same.

Consider all Your Insurance Options

You can receive a discount on your premiums if you package your car and condo policies together same insurer.  You will likely be offered condominium insurance coverage through the company that insures the whole building. While this may be useful to make sure all gaps are covered as they know the policies – you’ll still want to make sure your contents and liability limits are adequate.

The buildings insurer may be more expensive and their autos may be more expensive.  So, it’s best to have a local independent agent look over the hazzard insurance policies and run some quotes.  Most condos and town home master policies are written by captive agents who represent only one company.

There are ways to get your insurance lower by paying a higher deductible will lower premiums, as will allowing your provider to deduct your payments from your checking account. New safety and security devices in your unit can make you safer in your home while lowering your rates.

For more info on the available and various condos in Minneapolis

For a condo insurance quote or questions call 61.460.7796 and speak with a downtown condo insurance specialists.

 Insurance Quotes MPLS Condos

Progressive Agent

Progressive Independant Insurance Agent

How to Save Money on Car Insurance Using a Progressive Agent…

When it comes to car insurance, there are a number of ways – good ways and not so good ways to reduce your premium. And in today’s tough economic times, a little here and there can add up.


Choosing a local independent Progressive agent can mean big savings with the least amount of hassle. Progressive agents recommends asking these five questions:

Can I save by shopping around?  Yes, most likely you can save by shopping.  It will take a lot of time, you’ll have to give your personal info to all kinds of people and place, you’ll have to figure out if you have the right insurance and hope you don’t make any mistakes – like not including full glass coverage or not taking advantage of all the discounts, etc. Car insurance rates can vary by hundreds of dollars between insurance companies,  it does pay to check  the rates to make sure you’re getting the best deal.  It’s just a lot easier to let a good Progressive agent do it for you.  They have insurance knowledge and know how and where to get the best deal.  They work with insurance everyday.  Why mess around and try to do it yourself?  You don’t get a discount for doing it yourself.  Only a fool represents themselves in a court of law and insurance.  You become your own agent when you purchase on your own.

Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premiums. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year. A common cut off many choose is  $2500.  If it is worth less than $2500 than consider liability only.  If you really need to save money raise your deductibles not lower your liability limits.  You’ll save more and reduce your risk.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates. Some companies will allow residents of the same household to be on the same policy and receive multi=policy discounts.

Should I raise my deductible? Maybe – it all depends on your risk tolerance and the vehicles worth. According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Your Progressive agent will know and should ask you questions like..Does your car have anti-lock brakes? an Alarm? Would you like to try Snapshot to see if you could save up to 30% more?  You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

Does Progressive offer truck insurance in MN? Yes, Progressive offers commercial insurance. It’s best to speak with a local agency that is knowledgeable in trucking. Find info on Truck Insurance MN here !

To learn more, talk to your local Minneapolis area independent Progressive agent or broker. 612.460.7796


Progressive Agent – Take Snapshot for a test drive and then decide if you want to switch!

Ask a Local Progressive agent about Snapshot

 

See what you could save – up to 30% extra!

 

Test drive Snapshot—and all the benefits of personalizing your insurance—in just 30 days.

PLUG IN

Preview your projected discount after plugging in the Snapshot device, and watch as it evolves based on your latest driving.

GET UPDATES

See how often you slam on the brakes, how many miles you drive each day, and more.

SHARE

Discover the best driver in your household … and shout it out to your social networks!

See SAVINGS!

See your personalized Progressive rate and decide if you want to switch your insurance.

Ready to Switch Today?

Skip the trial and start Snapshot as a Progressive customer. You could save as much as 30% extra on top of our already low rates! Quote & Start Saving Call a Progressive agent at the Minneapolis insurance team.


Progressive is letting potential customers try Snapshot before they buy.  The snapshot discount can be up to 30%.  Call a Progressive agent for more details.

I tried snapshot and received a 28% discount.  My wife – look up back seat driver and see her picture – got 18%.

Question:  If I have Progressive will my rates go up if I try snapshot?   Answer: No

Of all our clients – I only know of one who didn’t get some sort of discount.  She is actually a Progressive agent with the Insurance Specialists Team.  She had too many hard brakes and people who have experienced her driving were not surprised.

Question:  Can they tell if we are speeding or measure speed?   Answer: No

It isn’t possible to know the posted speeds and believe it or not some data suggests speed is not a huge rating factor.  However,  hard braking, time of day, and miles driven are considered to provide some correalation and indications.

If you would like to try Snapshot – I suggest you do.  It’s easy to use.  You just plug it in.  The instructions come with the device.  It might take about a minute to install.  You could save significant money.  Our experience says odds are great that you will.  The data is kind of intresting and fun to look at and compare.

Call your Minneapolis Progressive agents 612-460-7796 if you have any questions or would like to sign up.  We can compare Progressive and our other carriers to see if you can save money.  We are agents for Progressive and other top rated companies – not just one.  It provides you a huge advantage and is the easiest  fast way to save.  You get the top local agents and the best company.  Try the snapshot either way.  30% can be a big discount.  I will also add a link.  So, you can do it online too.

Some other companies are now trying to come up with similar programs.  Progressive is a real leader in the auto insurance industry and is one of the reasons we represent Progressive here at The Insurance Specialists Team.

 

 

 

 

 

Progressive agents offer Snapshot test driveProgressive Insurance Quote

 


 

 

 

 

Independent Progressive agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan for you.

 

 

 


Call The Minneapolis Insurance Team’s and speak to a Progressive agent and try Snapshot Free!

Progressive Independent Agents and Brokers




Progressive independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company.  Progressive Independent agents can put together a customized insurance plan for you.

Independent agents compare policies and rates everyday. Whether its Progressive or other top insurance companies. Independent agents know how and where to get all the discounts. You will also have the correct coverage.

Wise people put pros on their side and save a ton of money, time, and get the best policies too….Why shouldn’t you?

If you’re ready to contact an independent agent to talk about saving money on car insurance, here are a few things to consider:

Has your life situation changed recently? Many factors determine auto insurance rates, not just vehicle year, make, model, body type and engine size. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your car insurance. Get a quote here and receive at least three quotes to compare. It is a one stop shop. You will save time and money!

Did You Know?

Unlike captive agents, Progressive Independent Agents and Brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. They can offer objective advice and more quotes.

Get a Progressive quote from the Minneapolis Insurance Team today!

 

Progressive independent agents

Call Your Minneapolis Progressive Independent Agents Today!