Monthly Archives: June 2013

Can getting help from an independent agent in Albertville, MN benefit me to finding auto insurance?

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Getting the right auto insurance policy for your needs can be a challenge if you are attempting to complete the process on your own. You have to figure out what the top auto insurance companies in Minnesota are, gather quotes from each of these providers, and then compare the costs to decide what policy to purchase. Rather than going through all of this work, get in touch with us to see exactly how an independent agent can make your job of finding auto insurance easier.

One of the major benefits of an independent agent is that this agent can see all of the policies available to you through one system. This means that you don’t have to enter details about your car, address, and the policy coverage you want with each of the different carriers. Instead, you provide your information once and the independent agent can get you quotes from all of the companies that insure vehicles in Albertville, Minnesota.

You’ll also reap other benefits from working with an independent agent. You’ll be able to get specific recommendations on appropriate auto insurance coverage based on your needs. The agent will make sure you’re getting every discount you qualify for to reduce your premiums as much as possible. And of course, your independent agent can also help you renew your auto insurance policy when it’s time. You may want to change your coverage, review whether you’re still using the company with the lowest rates, or add another driver to your policy.

Don’t waste any more time trying to find auto insurance on your own. Instead, contact a local agent in Albertville, Minnesota to get help finding a car insurance policy that will meet your needs. We, at Pizano insurance can make your insurance finding path much easier, please talk to us to get on to the right path.

What is the best term life insurance policy in Wayzata, Minnesota?

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Frankly speaking, the best term life insurance policy is the one that you actually have in place to provide financial security for your loved ones in the event that you pass away unexpectedly. While Minnesota residents lead the nation in life expectancy, according to a recent statement by Governor Mark Dayton, accidents and illnesses do take away the lives of too many people before they reach their golden years. When a family’s primary breadwinner unexpectedly passes away without life insurance, many financial troubles ensue causing unnecessary stress in addition to the grief. This is why it’s essential for those who aren’t financially secure to have a policy in place.

Term life insurance provides coverage for a set number of years so that if you pass away, your family can go through the grieving process without worrying about finances. The money from a policy allows your partner to provide a proper funeral and burial and take off time from work while the kids continue their activities and the bills stay current.

Most term life insurance policies come in 10, 15 or 20 year increments so that you can get coverage for the appropriate length of time. If you’ve just started a family, having a 20 year policy is best so that it will cover you until the kids are adults. On the other hand, if you’re nearing the empty nest stage of life, a 10 year policy may be more suitable since your expenses should decrease as the kids venture out into the world.

One of the best things about term life is that it’s very affordable. You can compare quotes from various insurance companies to find the best rates. As your independent agent in Wayzata , we’re here to help you decipher any jargon you find in the policies and give you advice on selecting the term length that’s best for you. Give us a call today!

What Kind of Bodily Injury Insurance Should I get for my Motorcycle in Albertville, Minnesota?

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Minnesota motorcyclists often find that it is necessary to obtain bodily injury insurance. Albertville motorcyclists will find that it provides peace of mind in case an accident occurs and it is necessary to seek medical attention. The challenge is determining the right type of coverage to meet personal needs and provide a feeling of security while enjoying a motorcycle.

Insurance Legalities

In the state of Minnesota, every motorcyclist is required to obtain basic liability coverage. The liability coverage will only provide payments for property damage or injuries to other motorists and passengers if a motorcyclist caused the accident.

Although the state requires a minimum of $10,000 for property damage and $30,000 for one individual who is injured or $60,000 for two injured individuals, it does not have any bodily injury requirements for the motorcyclist. Liability coverage is only the minimum state requirement so it is necessary to purchase further coverage for personal injuries if an accident occurs.

Additional Protection

Bodily injury coverage is an additional solution to protect the motorcyclist. It is additional insurance and generally it is best to obtain at least $30,000 or more in case an accident results in medical expenses. The cost of medical needs will vary based on the exact nature of the injuries, but ultimately it is better to seek the same amount as the state liability requirements or more for personal peace of mind.

The state of Minnesota has minimum insurance laws, but it does not impact the decision to protect personal finances in case an injury occurs. When it is hard to determine the right policy for personal needs, an independent agent can help. To gain assistance in your search for a new policy or speak to an independent agent, contact us today.

What Information Should I have When Purchasing a Home Insurance Policy in Wayzata, Minnesota?

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Buying a good homeowner’s policy is never a chore, simply give your independent agent in Wayzata, Minnesota a call. We are here to make sure we have your future covered when purchasing your new home and will not let important insurance issues slip through the cracks.

Time is of the essence so be sure to have all the information ready for your insurance agent. When you are going through your possible home for purchase, these are the questions that you and your independent agent will need to know.

  • How old is the home?
  • How many square feet does the house have?
  • How old is the plumbing and electrical systems?
  • What kind of roof is on the house and how old is it?
  • Where is the house located, and the address?
  • Have there been insurance claims in the last five years?
  • What kind of deductible can you afford?
  • Does the home have an alarm system?

A higher deductible on your policy will bring the cost of your premium down. You must find out from your mortgage company what deductible limit they will allow you to purchase. If there is a lot of land to the house and you paid more because of the land, all the insurance company is going to insure is the house, so the value of your purchase may be considerably lower.

Have all information to the independent agent in Wayzata, Minnesota so he/she can consider all possible discounts to lower your premium cost. If you are a senior, over 50 years of age, a discount may apply. If you bundle other things, such as vehicles, a discount is available. Our agent may be able to offer other discounts, so be sure to inquire.

Purchasing a homeowner’s policy is no chore for your independent agent. It is important that you give us a call so that we can give you specific details for your circumstances. We are here to help you.