Cheap Car insurance

Looking for cheap Car Insurance?

Of course, nobody wants to pay a lot for their insurance.  All the commercials say you can save a ton by checking them out.

Here’s the deal… Many people in an effort to save money on their insurance try shopping online and just getting frustrated.  Here’s why.  The first thing many people do is assume all insurance is the same.  It’s not.  Many people will go online and request the lowest liability limits and the lowest deductibles.  All this does is create greater risk and higher costs.

You see one of the rating factors insurance companies use is prior liability limits.  The higher the limits you have the better it impacts your score.  Also, if you ever end up in anything other than a minor accident – you’re low deductible will be covered – but, you may be on the hook for tens of thousands of dollars.  The state minimums were set back decades ago and do not reflect the current costs of a vehicle or medical costs or any liability costs really.

You want to find the best coverage at the lowest price not a cheap policy for a good price.  You want a company that handles claims fast and fair too.  You also want an agent who is local and easy to get a hold of when you need them.

If you’d like to get quotes easy, fast, loacal and save money then may we suggest using a local independent agent who represents many companies and knows how to get the best rates.  Why sell yourself short and try to do it on line and take chances you’ll buy the right policy and not have your name sold all over the internet.  Many insurance sites just gather your details and sell your information to a bunch of agents and companies –  and some are just other more companies that sell your information.  Save 15% ?  It’s possible – but, unlikely.  Use a local agent – don’t fall for the hype – even if they are on super bowl commercials or the ad was funny.

 

 

Pet Insurance Coverage

Minneapolis pet Insurance for dogs
With our Pet Injury coverage, customers’ auto, boat, RV and now commercial policies protect their dogs or cats too.

What is Pet Insurance Coverage?

Pet Injury coverage comes complimentary with Collision coverage, and if your customers’ dog or cat is injured in an accident while riding with them,  Companies like Progressive will pay up to $1000 to help with veterinary bills and medicine.

 

When Can Pet Injury Coverage Be Used?

Minneapolis Pet Insurance coverage can be used whenever a pet is injured during a claim covered by Collision or Comprehensive coverage. This coverage is available for pets riding in the car and owned by your customer or his/her relatives.

Pet Injury coverage is built into Collision coverage – there’s no added cost if the customer chooses to use it or not use it. Collision coverage must be included on at least one covered vehicle on the policy to receive Pet Injury coverage.

 

Coverage Highlights

  • Coverage is limited to dogs and cats owned by the named insured and resident relatives.
  • Only covers injuries sustained in a “collision” or “comprehensive” claim.
  • The pet must be inside the vehicle when injured to be covered (includes pickup truck beds).
  • $1000 is the most Progressive will pay in a collision or comp claim regardless of number of pets injured or that die.
  • Pays up to $1000 for veterinary bills if a pet is injured in a coll/comp claim.
  • Pays $1000 if the pet dies as a result of the coll/comp claim. The insured does not need to replace the animal to get paid.
  • In cases of theft, we will cover a stolen pet for the $1000 death benefit only if there is a total theft of the car while the pet is in it.
  • The customer will need to provide proof of payment to be reimbursed for vet bills.
  • There is no coverage if there is not Collision coverage on at least one vehicle listed on the policy. If Collision coverage is purchased on any one vehicle, Pet Injury coverage is provided whether the pet is in the vehicle with collision coverage or one of the other vehicles that may not have collision on the policy, or in a “non-owned” car as defined in the policy. Furthermore, there is coverage if the pet is injured, dies or is stolen as a result of an event that fits the definitions of Comprehensive (even if Comp coverage has not been purchased).
  • If the loss is excluded for the vehicle under Part IV of the policy, coverage for Pet Injury is also excluded.

 

  • Not all carriers offer Pet Insurance coverage – consult your insurance specialists as they will have options for you if your provider doesn’t offer this coverage.

Insurance in Minneapolis

The best way to get insurance in Minneapolis – Great Rates for All Drivers and Homes

Minneapolis Insurance

Minneapolis Insurance Specialists represent many companies – not just one. It makes getting affordable rates easier.

Great Auto Insurance and Homeowners in all Minneapolis and Minnesota

Call 612.460.7796 for Insurance in Minneapolis. Auto or Home Insurance for people living in Minneapolis and all of Minnesota. We professionally select rates from some of the best companies licensed in Minnesota including AAA, ASI, Allied, Encompass, Dairyland, Foremost, Integrity, Safeco,Travelers, West Bend and Progressive. We offer the best coverage at the lowest price – not cheap policies for a good price. We know how to get all the discounts and get insured.

We write auto insurance for all drivers. We have companies that offer many discounts that are specially designed to get best bottom prices for the preferred driver. We offer have programs for the driver that is inexperienced or has not had recent insurance or has tickets or accidents or is required to prove insurance to the State with a SR22 certificate. We offer non-owners or named operators insurance for the driver required to carry insurance but does not own a vehicle. We have companies that offer ATV, Boat, Cycle,RV and Classic car Insurance. For Home or Residence Insurance we have companies that will do builders risk, secondary homes and cabins. We guarantee the best Condo, Townhome and Renters Insurance coverage and prices.

Don’t settle for those companies that spend a ton on advertising and only represent one company. Don’t pay high insurance prices for those Super Bowl Commercials. Get choices and options. CALL 612.460.7796 for your Insurance in Minneapolis.

Borrowing A Car…Are You Covered?

 

Most people have an idea of what’s covered and not covered under their various insurance policies. But at The Minneapolis Insurance Specialists Team, we get a lot of questions about borrowing or loaning a car.

 

Now that summer is here, and you might be looking to borrow your neighbor’s truck for a home-improvement project or a trip to the local landfill, we thought it was a great time to provide a little more information.

 

Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it’s covered even if someone other than the owner is driving it — as long as they have the owner’s permission.

 

The borrower’s insurance is considered secondary, meaning that in the event of an accident, it could apply if the owner’s insurance is insufficient to fully cover the damage.

 

It’s important to note that there are some exceptions to what is called “permissive use” coverage. For example, permission must be given by the owner, unless the borrower has a reasonable belief that they are allowed to use the car. However, the borrower cannot give permission to someone else. So if your teenager allows one of his or her friends to drive your car to the MOA or a cruise around the lakes, your coverage likely won’t apply.

 

Coverage might also be denied if the borrower operates the vehicle in a negligent or criminal manner. And if the borrower is using your car for business purposes, your personal auto policy likely won’t cover that. If you are borrowing a company car you need to know if you are a covered driver and when you can use it and for what use.

 

If you have a regular long-term arrangement to either borrow or lend a car, the borrower should probably be added to the owner’s personal auto policy. Those who don’t own a car, but often borrow one, might also consider “named non-owner coverage,” an endorsement that provides bodily injury and property damage liability, uninsured motorists coverage and more.

 

Ultimately, it’s usually safe to loan your friend your car for occasional errands or projects. And the same goes for borrowing a car. Just make sure it’s for “normal” use. You’ll want to confirm that the car has coverage and that your insurance, whether you’re the owner or borrower, will apply.

Visit this page for more information.

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


Do I Need a Personal Umbrella Policy?

Most people – whether they need one or not – are unsure what a personal umbrella policy is or what it covers. We will  offer a brief explanation of a personal umbrella policy and how it may benefit and protect you financially.

Umbrella insurance Minneapolis

When you’re outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring heavy rain with severe winds, you definitely take your umbrella or wish you had taken it. An umbrella insurance policy works much the same way.
Personal umbrella insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your personal auto and home policies.

Most insurers will require a minimum of 250/500 or 300 combined single limit or a $500,000 single limit.  The umbrella will be cover above those limits.  Most often if you can purchase from your current insurer an umbrella is very affordable

Here is an example: Jane Doe – Smith falls asleep while driving and hits a van with a family inside. The accident results in $600,000 of medical bills, but Jane Doe – Smith’s auto policy has a $500,000 limit. Fortunately, She also has a $500,000 umbrella policy, and the additional $100,000 would be covered under the umbrella policy
It’s true that a personal umbrella may not be for everyone, but if you’re building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy. Having assets to lose makes you a target for attorneys and lawsuits – unfortunately.  The added protection of an umbrella insurance policy is coverage no one should go without.

You should review your insurance periodically to ensure there are no gaps and that you are properly protected if something should happen.  It doesn’t make sense to work hard all your life to have it taken away by some unfortunate circumstance.  A solid financial plan should begin with an insurance review.
Umbrella insurance is generally very affordable – probably around $100-300 a year avg.

Please call the Minneapolis Insurance Team and allow us to give you a quote! 612.460.7796

Minneapolis Auto Insurance Guide

This article will help you learn the basics when it comes to buying auto insurance. It will help get you get better coverage and lower prices.

Minneapolis car insurance

Intro: What is Car Insurance?

Auto Insurance is insurance purchased for cars, trucks, motorcycles, and all other land based vehicles. Its primary purpose is to protect you financially against physical damage or bodily injury resulting from accidents like traffic collisions and from the liability that could also arise later on. The specific coverage and terms of vehicle insurance vary with legal regulations from state to state. In some cases, car insurance can include financial protection against theft of you car or even damage to the vehicle that has been sustained from something other than traffic collisions like hail or other weather damage.

Common Types Of Car Insurance:

Liability Coverage: This coverage is used to protect you from liability resulting from accidents you may be liable for or have caused. It’s important to not that most states have minimum liability limits and were set decades ago. These limits may not be enough to protect you and you’re assets. Many insurers use prior liability limits as a rating factor and you could actually get better rates for carrying higher limits and obviously better protection.

Coverage for Your Vehicle:

Collision and comprehensive coverage are optional. However, your auto lender or lease holder may require you to have this coverage until you’ve paid off your vehicle.

Collision coverage helps pay for damages that your car may suffer in an accident.

Comprehensive coverage helps pay if your car is damaged from causes other than a collision. Theft, vandalism, falling objects and hail are commonly covered by this type of coverage as well.

Additional Coverage Options:

In addition to liability, comprehensive and collision coverage, there are other coverage options that can help keep you protected.

Medical payments coverage, for example, can help pay the medical bills you or your passengers incur if you are injured in an accident.

Personal Injury Protection, often called PIP, can also help reimburse you for lost income if you’re unable to work due to an injury that results from a car accident. It may also reimburse you for child care expenses if you’re unable to take care of your children following an injury.

Uninsured and underinsured motorist coverage can help cover your damages caused by someone with limited coverage, or no insurance at all.

Other coverage an auto insurer may offer include towing as well as labor coverage, which helps with the cost of towing your car if it breaks down or gets a flat tire, rental car reimbursement, which can help cover the cost of a rental car while you wait for your covered car repair to be finished, and even sound system coverage for those drivers who install aftermarket stereo equipment in their cars.

Choosing A Car Insurance Company and where to buy:

Choosing the correct coverage is the first step. You must also choose a good car insurance company if you want to maximize the chance that your claims will be paid. Look for the following qualities when choosing your car insurer.

Reasonable and Reputable – Insurance carriers should be reliable and reasonable for the coverage and the prices they charge. Who needs hassle at claim time.  A cheap policy for a good price is not what you need or want. You need and  want the best coverage at the lowest cost.  So, if you ever need it – you have it.  Why pay for anything that falls short and ends up costing you a fortune if you are ever involved in an accident and are short. In some states, there isn’t much difference in price among insurance companies due to state mandates. In most states, however, companies will quote different prices for similar coverage.

Is it better to buy online? – Many online sites just aggregate information and sell it to many agents and insurance companies.  If you buy direct even fro a seemingly reputable company – you become your own agent.  If you make a mistake or need help – you are on your own.  Insurance agents are required to have E&O insurance to protect them and you if a mistake is made.  Why settle for less safety and service? It doesn’t cost you more to have an experienced or good agent either.  It’s all the same.  So, why would you not use a good experienced local independent agent?  Why not an agent who represents many companies – not just one brand. The insurance companies are the only

Miscellaneous Tips: 

Use a local independent agent. They generally have the most experience and represent many companies – not just one.  So, you don’t have to spend all your time shopping and giving your info to who knows.  One thing that most people fail to do is research the agent or company that they purchase insurance from. The better business bureau is one of the best sources to find out if you car insurance company is a reputable organization.  You can also look agents up on many states commerce sites.  Even further, it’s a good idea to check a company’s financial strength (which directly impacts their ability to pay out your claims) through rating services such as A.M. Best. Don’t take advice from uncle cheap skate Charlie or some know it all at someone at work.  Consult an insurance professional.  Most experienced agents will have a designation after their name like AAI, CIC, CPCU.

If you are going to use the internet – use it to check reviews and do research – not to purchase auto insurance.

Minneapolis Auto Insurance Specialists Team