Lowest Prices from Minneapolis Minnesota Auto Insurance Companies

To find a good insurance agent in Minneapolis, MN, we recommend you do an initial search by getting online comparison quotes instead of calling around. You need a professional agent, and also the best possible price.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with fancy advertisements and it is difficult to see through the deception and effectively compare rates to find the best deal.

Do I need special coverages?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if you might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Does my vehicle qualify for pleasure use?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent.

Minneapolis agents for auto insurance

Professional agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local.

To find an agent, once you fill out this quick form, the coverage information is sent to companies in Minneapolis who will compete for your business. You never need to even leave your home due to the fact that quote results will go to the email address you provide. How’s that for easy! Get lower rates AND a local agent.

Picking a car insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Can they provide you with a list of referrals?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Will your rates increase after a single accident?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Did they already check your driving record and credit reports?
  • Is working in the agency their full-time job?
  • If they are an independent agency, which companies do they recommend?

Captive agents vs. Independent agents

If you’re trying to find local Minneapolis agents, you need to know there are two types of insurance agents that you can select. Minneapolis agents can either be independent (non-captive) or captive.

Captive Agents

This type of agents can only write with one company like AAA, Allstate and State Farm. These agents are not able to compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable on their company’s products which can be an advantage.

Listed below is a short list of captive agents in Minneapolis who may provide you with comparison quotes.

State Farm Insurance – 5101 Olson Memorial Hwy # 5000 – Minneapolis, MN 55422 – (763) 545-1927
Farmers Insurance Group – 7100 Northland Cir N – Minneapolis, MN 55428 – (763) 504-2580
Liberty Mutual Insurance – 701 Xenia Ave S # 400 – Minneapolis, MN 55416 – (763) 546-7550
American Family Insurance – 535 Coon Rapids Blvd NW # 102 – Minneapolis, MN 55433 – (763) 795-9880
Allstate Insurance – 9001 E Bloomington Fwy – Minneapolis, MN 55420 – (952) 881-4651
Farm Bureau Insurance – 7984 University Ave NE – Minneapolis, MN 55432 – (763) 784-4443

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.

When shopping rates, it’s a good idea to include at least one independent agent for the best price selection.

Below are Minneapolis independent agencies who can help you get rate quotes.

Metro Insurance Brokers – 4445 W 77th St – Minneapolis, MN 55435 – (952) 921-0975
Olimb Agency – 6221 University Ave NE – Minneapolis, MN 55432 – (763) 528-2626
Greater Metro Agency Inc Ins – 1481 81st Ave NE – Minneapolis, MN 55432 – (763) 785-0573
Michael C Nelson Agency Inc – 6500 Xerxes Ave S – Minneapolis, MN 55423 – (612) 925-7841
Philadelphia Insurance Co – 4530 W 77th St # 198 – Minneapolis, MN 55435 – (952) 835-9552

For a complete listing of auto insurance agents in Minneapolis, view this link.

After receiving satisfactory answers for all questions you ask and an affordable coverage quote, you’ve probably found a car insurance agent that will insure your vehicles.

How do online company rates compare?

Local insurance agents are a valuable resource, but Minnesota drivers can also buy from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also permit you to get quotes and purchase online. This is something to consider if you’re trying to lower your rates.

If you’re apprehensive about not receiving proper advice, that should not be a issue. Online companies that require consumers to choose their own coverages have customer service departments for getting advice on proper coverages.

Can online rates save money? It’s difficult to say for sure due to the large number of individual components that influence your rates. It’s logical to say that shopping online for auto insurance saves money by not requiring a commission. But truthfully, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.

Some additional reading

More tips and info about auto insurance can be read at the Minnesota Department of Commerce website. Consumers can read industry bulletins, read consumer alerts, and file complaints about a company.

The following articles may also be useful.

One last thing about your coverage

Cost effective auto insurance can be sourced online and with local Minneapolis insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When shopping online for auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at an affordable rate.