Consumer Information for Finding a Minneapolis, MN Auto Insurance Agent

Comparing car insurance companies in Minneapolis, Minnesota can be challenging because picking a good Minnesota insurance agency is not as easy as just using the same insurance agent as your neighbor. For this article’s sake, it’s assumed that not only do you want a decent agent, but you also want great rates as well.

With Farmers, Allstate, and independent agents all competing for your business, it’s difficult to determine which one will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes to assemble a group of agents and price estimates.

What coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if your insurance needs will benefit from professional help.

  • Why is insurance for a teen driver so high in Minneapolis?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Are my friends covered when driving my vehicle?
  • Does my car insurance cover rental cars?
  • Should I sign the liability waiver when renting a car?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent.

Local Minneapolis agents and car insurance

Good agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is that you can obtain the best rates and still choose a local agent. Supporting local agencies is important especially in Minneapolis.

Upon completion of this simple form, your information is instantly submitted to local insurance agents in Minneapolis who will return price quotes for your coverage. You never need to leave your house as quotes are delivered straight to your inbox. How’s that for easy! Get lower rates and an insurance agent to talk to.

The following are agents in Minneapolis that may be willing to give price quote information.

Liberty Mutual Insurance – 701 Xenia Ave S # 400, Minneapolis, MN 55416 – (763) 546-7550
State Farm Insurance – 222 S 9th St # 285, Minneapolis, MN 55402 – (612) 338-6400
Craven Agency – 5200 Willson Rd # 201, Minneapolis, MN 55424 – (952) 926-7711
Farmers Insurance Group – 6299 University Ave NE, Minneapolis, MN 55432 – (763) 571-0700
One Beacon Insurance – 7760 France Ave S # 1100, Minneapolis, MN 55435 – (952) 886-7101
Allstate Insurance – 4001 Stinson Blvd, Minneapolis, MN 55421 – (612) 788-6087
Jim Martin & Son Insurance – 6308 34th Ave N, Minneapolis, MN 55427 – (763) 535-1161
Farm Bureau Insurance – 7984 University Ave NE, Minneapolis, MN 55432 – (763) 784-4443

Deciding on a car insurance agent shouldn’t rely on just the bottom line cost. Any agent should have no problem answering these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Are they able to influence company decisions when a claim is filed?
  • Will your rates increase after a single accident?
  • What is the agency’s Better Business Bureau rating?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What will you get paid if your car is a total loss? How is that amount determined?

Upon receiving positive feedback and a good coverage price, most likely you have located an insurance agent that will adequately provide car insurance.

Do online insurance companies have lower rates?

Car insurance agents are important, but you can also buy Minnesota car insurance from companies direct over the internet. Some companies who sell through agents in Minneapolis also let you get a quote and buy online. This is something to consider as an alternative to contacting agents.

If you’re worried about selecting your own policy coverages, this is a normal reaction for first-time shoppers. Car insurance companies all have toll-free customer service to walk you through the process.

Does car insurance cost less online? It’s hard to say exactly because there are so many things that influence your rates. Many people think that going direct prevents the agent from taking a cut. In many cases, promoting brand recognition is pricey and that can cost more than having to pay agents.

Informative consumer insurance sites

More information can be read on the website for the Minnesota Department of Commerce located here. Visitors are able to download brochures, find a variety of consumer forms, and read enforcement actions against agents and companies.

Minneapolis MN insurance agencies

In conclusion

Low-cost car insurance can be purchased from both online companies and with local Minneapolis insurance agents, so you should compare both to have the best selection. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Insureds change insurance companies for many reasons like policy non-renewal, policy cancellation, high rates after DUI convictions and even lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company is easier than you think.