Insurance Blog

Have you ever wondered how some insurance companies could spend hundreds of millions and still have best policies and prices?

Minneapolis Insurance








Truth is most often these companies don’t have the best prices or policies.  They do spend a lot of money trying to portray an image and belief.  The best way to find out the truth and find the best insurance policies and prices  is to use an independent agent like the ones you’ll find at the Minneapolis Insurance Team.

Of course,  you could do a bunch of research on your own.  There is a ton of info on companies.  Google State Farm claims or ratings for example and see how they compare to others. Are they really like a great neighbor?  Do the same for the others.  What image and message are they trying to portray or get you to believe?

An independent agent represents many insurance companies not just one. So, they can – for the most part – objectively compare and offer you the best policies available.  Insurance policies that fit your needs and budget.  Captive agents can only offer one policy and guess which one?

Skip all the time researching and get a quote from an experienced agent – your Minneapolis insurance team and then compare.  Easy Fast Local.  They really are your neighbors.


Minneapolis Insurance team



AAA MN –  save with our competitive rates and extensive discount options.  The Savings You Want.

We represent AAA Insurance in MN and Wisconsin







The Coverage You Need. Rest easy with a policy tailored to your personal coverage needs.

The Service You Deserve. We’re always on call with 24/7 claim service.

The Experience You Expect From AAA. We’ve been serving families for generations.

You’re about to get great coverage and save.

We are AAA Independent agents. We are agents for AAA MN and WI!

Would you like a quote from AAA?

Call 612-460-7796 or Click to See what AAA has for you!           

AAA offers many discounts like:

AAA Membership discount 10% off Auto and 5% off home insurance!

5% off auto and home for having a AAA life policy.

If you belong to certain clubs or groups another 2%

Many other discounts available we can help get them all!


 AAA Quote Click Here!

Call your AAA MN independent agent in Minneapolis 612-460-7796

Renters Insurance Minneapolis

Renters Insurance

Many renters don’t understand the importance of renters insurance or how affordable it can be when combined with an auto policy. Most figure or hope anyway that since the landlord likely has insurance on the apartment or house then they are covered should tragedy strike. This is not the case. In most circumstances, only the structure and land are covered by the owner’s insurance, it is up to the renter to cover his personal belongings.

Renter’s insurance is inexpensive. It can cost as little as $7 a month for $10,000 worth of personal property coverage with $300,000 liability coverage. That’s less than the cost of many other item’s to insure all your personal property is protected. Sometimes the package discount savings on auto insurance can be greater than the cost of the renters insurance.

Certain cities cost less than others. For example, Renters insurance Minneapolis is a good bargain. Renters Insurance in MN in most cases offer cheaper insurance for all of your needs then most other states.

Renter’s Insurance covers the personal effects and third party liability of an apartment or house renter. Smart shoppers use a local independent agent with knowledge of the local market coverages and prices to evaluate comparative quotes from many insurance companies. Some elements that are important are the amount of deductible, maximum benefit, per occurrence maximums and the specific events that are excluded in the coverage. A local independent agent can be a real short cut when it comes to comparing as the have many options and can offer more policies.

A basic renter’s insurance Minneapolis policy does not cover certain types of damage like from floods. If you live in an area where such things like earth quakes occur, then you’ll need a separate policy if you want coverage. Additionally, if you live in a coastal region where hurricanes may be particularly destructive, extra coverage might be required for windstorm damage.



renters insurance








A local agent like the ones you’ll find at the Minneapolis Insurance Team can be useful finding and advising you to determine what renters insurance policy coverage is best for your needs.

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.


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


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


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


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!

Renter’s Insurance: What you need to know about it

Do you need renter’s insurance?

If there is a fire or disaster like a tornado – won’t the building owner’s insurance cover everything?  How much renter’s insurance do we need?  How much does renter’s insurance cost? What does it cover?

These are just some of the questions we hear just about everyday and will attempt to answer them for you and save you some money in the process.

Most landlords these days are requiring tenants to carry renter’s insurance.  It’s something we advise them to do too.  The biggest reason for this is if there are any lawsuits it adds some layer of protection.  It also saves everyone a lot of head aches and heart aches.

Do you need renter’s insurance? Yes, If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster like a tornado or the apartment above you floods from setting off the sprinklers or a pipe breaks, tub over flows, etc. and damages all your belongings.  If your stuff is stolen you’d be out too.  You need your own coverage, known as renters or tenants insurance in order to financially protect yourself and your belongings.

Renters insurance includes three important types of financial protection:

      • Coverage for Personal Possessions
      • Liability Protection
      • Additional Living Expenses

How much renter’s insurance do you need?  The standard policies offer from $10,000 to $25,000 to start.  It’s best to take an inventory of everything you have and see if the minimum is going to be enough.  If you have computers and electronics or expensive jewelery or collections you’ll want to find out if it is covered and how much it is covered.

Most renter’s don’t carry renter’s insurance.  We see those apartment fires on the news every so often and almost no one has renter’s insurance.  It’s tragic and senseless – especially if these tenants have auto insurance as it usually costs less to have both with the multi-policy discounts or at least makes it really affordable.

The average cost of renter’s insurance in Minneapolis costs around $8-$20 a month and if it is bundled in a package – depending on how much they are paying for auto insurance – the discounts may actually cost them less each month then they are currently paying.

Renter’s insurance covers you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and certain types of water damage (such as when the tenant upstairs leaves the water running in the bathtub and floods out your apartment or a burst pipe).  It will pay to have you relocated, pay for expenses incurred, temporary housing, meals, laundry, etc.  It will protect you if someone sues you. If you flood the apartments below you or someone is injured while in your apartment or home.

Anyone who has ever suffered a loss while renting have been so grateful and relieved that they had renter’s insurance.  They would be the first to tell you what a bargain renter’s is for you.  Do you have renter’s insurance?  If don’t have renter’s insurance – why don’t you?

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!