Minnetonka Auto Insurance Provider Lowest Rates

When finding a good Minnetonka agent, you can begin your search by getting online comparison quotes instead of making phone calls. We’re guessing you’re looking for a good professional insurance agent, but you also need great rates as well.

With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s hard to tell which one will provide the cheapest rates and the best coverage. Thankfully, consumers can get online price quotes to assemble a group of agents and price estimates.

Buying auto insurance from a local Minnetonka agent

Agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still choose a local agent. And providing support for small agencies is especially important in Minnetonka.

After filling out this form (opens in new window), your insurance coverage information gets sent to insurance agents in Minnetonka who will return price quotes for your coverage. There is no need to visit any agencies as quotes are delivered to your email. How cool is that?!

Minnetonka insurance agents are either independent or captive

When searching for an insurance agent, there are two different types of agents to choose from. Minnetonka agents are either captive or independent (non-captive). While both can write coverage properly, but it’s good to learn how they differ because it can impact the type of agent you choose

Independent Insurance Agents

Independent agents do not work for one specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When shopping rates, we recommend you get quotes from at a minimum one independent agency to get the best comparison.

The following are Minnetonka independent insurance agencies that may be able to provide competitive price quotes.

EMC Insurance Co – 6120 Blue Circle Dr – Minnetonka, MN 55343 – (952) 938-4646
Combined Insurance Co – 10901 Red Circle Dr # 151 – Minnetonka, MN 55343 – (952) 933-2133
Hatch Agency Inc – 6121 Baker Rd # 102 – Minnetonka, MN 55345 – (952) 933-8080
Greater Minneapolis Agency – 5720 Green Circle Dr – Minnetonka, MN 55343 – (952) 936-0600
Dean Burrington Agency Inc – 14451 Highway 7 # 150 – Minnetonka, MN 55345 – (952) 474-5252

Captive Agents

Captive agencies have only one company to place business with like American Family, Liberty Mutual and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are well schooled on their company’s products and that can be a competitive advantage.

The following are captive agencies in Minnetonka that are able to give comparison quotes.

Allstate Insurance – 17909 Highway 7 – Minnetonka, MN 55345 – (952) 474-2440
State Farm Insurance – 14525 Highway 7 # 105 – Minnetonka, MN 55345 – (952) 933-7900
Farmers Insurance Group – 17113 Minnetonka Blvd – Minnetonka, MN 55345 – (952) 253-0075
American Family Insurance – 14451 Highway 7 # 150 – Minnetonka, MN 55345 – (952) 474-5251

To view a full list of auto insurance agents in Minnetonka, simply jump to this page.

Selecting a car insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:

  • If you have an accident, will your rates go up?
  • How many years of experience in personal lines insurance coverages do they have?
  • Can they give you a list of client referrals?
  • How long has their agency been in business in Minnetonka?
  • Is their price quote a firm figure or are their hidden costs?

After getting reasonable responses for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that can adequately provide auto insurance.

But what about Geico and Esurance?

Auto insurance agents are important, but Minnesota drivers can also buy direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who sell through the agent channel also allow you to buy a policy online, so keep that in mind if you are the do-it-yourself type.

If you’re apprehensive about whether or not you’ll have guidance when buying online, this is expected but don’t let that bother you. Online insurance companies provide options to answer any questions you may have. Many online companies also provide live help and 24/7 access that can help answer basic questions.

Does buying online save money? Whether or not you’ll save is impossible to say since there are many things which can raise or lower premium rates. It’s often assumed that buying car insurance online reduces premiums because there is no agent. In many cases, advertising and marketing take a lot of money and this tends to eat up any savings.

best Minnetonka agent

Consumer auto insurance information in Minnesota

More information is available on the website for the Minnesota Department of Commerce found here. Minnesota drivers can download brochures, read enforcement actions against agents and companies, get help finding coverage, and find a variety of consumer forms.

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In conclusion

Cost effective auto insurance can be found on the web as well as from independent agents in Minnetonka, so you should compare both to get a complete price analysis. A few companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.