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.

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


Tips to Lower Your Minneapolis Car Insurance

These tips will help you help you lower your Minneapolis Car insurance.

We all want to reduce our monthly expenses. The good news is that while the monthly costs for just about everything seems to be going up, your car insurance rates may have some room to come down.

The average driver can spend up to $84,000 in a lifetime on Minneapolis car insurance, according to a February 2011 posting on the Motor Trend magazine’s website – a figure that could be reduced if you know how to save on your car insurance policy.

Click to get Minneapolis Car Insurance Quotes from the insurance specialists team and all their top insurance carriers now.

“The average yearly auto insurance premium for Minnesota is $742, but there is wide variation around this average,” says Loretta Worters, a vice president of the Insurance Information Institute (III), an organization dedicated to improving the public’s understanding of insurance. “Many factors can affect your premium.”  Minneapolis car insurance and St. Paul car insurance tends to be higher than out state MN.

Check out these ways of saving on your Minneapolis car insurance to see how you can reduce your car insurance.

#1 – Get a Variety of Quotes

Be cautious.  You don’t want to do this incorrectly as most people do at least once.  Some of these ads and sites make it sound like such a good idea – having agents compete, etc.  It’s not a good idea.  Here’s why.   Entering all your details into just any site will likely get your information sold to a bunch of different agents and companies.  You don’t want to just go online and start requesting quotes or start calling agents. This can be a huge pain and who wants to talk to a bunch of agents or go to a bunch of different sites and enter all your personal info all over the web?  Spending valuable time trying to figure everything out and who to trust – who needs it.

Of course, we recommend using a local independent agent who represents many companies – not just one.  Why wouldn’t you use the easiest way and get many quotes from an experienced local agent who you can trust.  They’ll know which company currently offers the best prices for you and the area you live. It’s the easy way. It doesn’t cost more to use and expert and will likely save you a ton and you’ll have a local Minneapolis car insurance expert on your team.

#2 – Start By Getting A Quote With All The Discounts Available To You

Don’t wait until the last minute or when your policy is close to renewing.  Many companies offer discounts for getting quotes in advance of your policy expiration – usually 14 -30 days before your policy expires.

Get multi policy quotes.  Many people make the mistake of just checking auto or home rates and if they are good will look at saving on other lines.  This is a common mistake.  You will almost never get the best prices without multi policy or package discounts.  Some insurers will only offer auto and home insurance as a package.  Many times they are the ones with the best prices.  Almost all insures will charge more for stand alone policies.

Each carrier is going to offer a variety of discounts like the Snapshot discount from Progressive, or the AAA membership discount, or the Alumni association discount, the longevity discounts – sometimes it pays to stay, some insurers may offer a discount to employees of certain companies, discount for teachers, or because you belong to certain clubs or organizations, all insurers these days offer discounts for having excellent credit – if your spouses is higher than yours – have them get the quotes – many companies will use the highest credit score.  There are a ton.

A good agent will know how and where to get the discounts and apply them to your quote – but, you should still ask.

#3- Raise Your Deductible

An easy way to get immediate savings could be changing your deductibles.  Don’t be afraid to raise your deductibles.

Increasing your deductible from $250 to $500 or from $500 to $1000 could reduce your collision and comp. coverage cost by 15 to 30 percent.  Going to a $1,000 deductible can save you 40 percent or more.  Some of these lower deductibles are kind of antiquated and raising them and keeping a reserve set aside could save a lot and a reserve will keep your anxiety level down.  Truth is you will likely save moire than your reserve amount of the higher deductible the first year.

The reason that higher deductibles may result in lower monthly rates is because a higher deductible means you will assume more risk, less apt to make smaller claims an insurance company will end up paying a smaller amount in the event that you file an accident claim.  Higher collision deductibles seem to save the most – so, check $500 comp and $1000 collision.  In MN chances are a deer or hail storm will damage your vehicle before you run in to another vehicle.

#4 – Keep Your Record Clean.

Obviously, keep your accidents and tickets down.  However, some companies will check back 35 months some will go five years or some other amount of time.  Some insurance companies will charge more for DWI’s for example, then others.  It pays to check.

We encourage you to check the easiest way to discover if you can lower your Minneapolis car insurance call the Minneapolis Insurance Specialists Team 612-460-7796 or go to lower my Minneapolis Car Insurance site and get some quotes easy, fast, and local.

Use a Minneapolis Car Insurance Expert

 

 

 

 

 

Minneapolis Insurance Specialists Team

333 Washington Ave. N. Ste. 300

Minneapolis, MN 55401

612.460.7796

Your Minneapolis Car Insurance Experts

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!