Monthly Archives: January 2015

Save On Home Insurance In Hopkins

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Hopkins is a 100 percent urban city in MN. The median household income in the city is lower than elsewhere in the state and that’s why it’s more important than ever to save on home insurance. Whether you’re in the 55305 ZIP code or elsewhere in the city, you want your home to be protected.

From snow in the winter to rain in the summer, your home goes through a lot and you want to make sure to expect the unexpected. Home insurance in Hopkins can be cheaper than you think – and that’s why we have independent agents to help find the policy. We are prepared to answer any questions you may have, including such topics as:

– The importance of comparison shopping

– The various forms of coverage

– What levels of liability you need

– The cost of your annual premium

Home insurance is a must if you have a mortgage and even if you own your home outright, the insurance is going to save you a lot of money in the event that something happens in the 55305 area of MN. You don’t want to find out that your roof has been damaged from the snow only to learn that the repairs have to be covered out of your pocket.

As independent agents, we are not allegiant to any one insurance company. Our primary goal is to help you save on insurance in Hopkins and we do this by taking the time to find out more about your home in the 55305 ZIP code, what the value is, and what levels of coverage you actually need. From there, we can begin finding savings for you.

Find out how to save on insurance with the help of our independent agents today!

Saving Money on Home Insurance in Albertville, MN

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If the bottom line of your address reads Albertville, MN 55301, statistically speaking, it would suggest that you are a member of the middle-class, probably live in a single-family home, and your kids attend good public schools. Living in this family-friendly community of roughly 7,000 people, about halfway between Minneapolis and St. Cloud, you can shop for discounted designer brands at the Premium Outlets or go to Sassy Seconds to get a bargain on a gently-worn prom dress for your daughter,

Not too much happens around Albertville. The crime rate is low and most people live the typical suburban life. Purchasing a home of your own is a major accomplishment and a source of great pride. You want your house to be the best looking house on the block no matter where you may live. In the summer, you mow the lawn and trim the hedges. In the winter, you shovel the snow from your driveway. You take good care of your house, but there is always the chance that something major goes wrong. It is just for those rare instances that you need to carry homeowners insurance.

Whether your mortgage company requires it or you make the choice to buy a policy, you should try to find the least-expensive home insurance that will provide the coverage you need. You can save some money by doing things like installing an alarm system or purchasing a home policy from the same company that insures your car, but that will only go so far.

If you want to be sure you are getting the most favorable rate on the coverage you need, the smartest thing to do is to visit a home insurance agency and speak to an experienced independent agent. Your independent agent can get quotes and compare rates among all of the top insurance companies. See how your Albertville home insurance agency can save you money on the coverage you need. Why pay more than you have to?

Classic Car Insurance: Hopkins, MN 55305

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Classic Car Insurance: Hopkins, MN 55305

We love our classic car shows in Minnesota. When we’re not cruising down HWY 69 or around Park Valley a car show is where you would likely find us classic car enthusiasts. You’ve spent a lot of money and time on your car whether it is a vintage, classic/collectible or an antique you need the best insurance money can buy.

The Three Types of “Classic Cars”

Classic cars are also commonly called collector cars.

  • Vintage – A car that is generally three of four decades old like a 1981 Ferrari-308
  • Classic/Collectible – A classic car is usually from the late 50’s to the mid 60’s like a 1957 Chevy or 1966 Mustang
  • Antique – An antique car is from the 20’s or 30’s like a Ford Model T or a Phantom II

Classic Car Insurance

The classic car insurance generally provides more protection than the car insurance you would purchase for your primary car. As the case often is classic cars may need parts that are rare and expensive. In addition, you probably only drive the care occasionally, so you may be able to get a better rate on your classic car insurance because it spends part of the year sitting in a garage.

Insurance Coverage for a Classic Car

Insuring a classic car is a bit more difficult than insuring a regular car, there are things you have to take into consideration such as the cost of parts and repair, the market value of the car may not be the same as the true value. These two things need to be discussed with the insurer and put into the policy before you pay for it.

Aside from those two things, classic car insurance is just like regular car insurance, except you would have complete collision in the event of an accident. You would also have a higher amount of property damage coverage and depending on the type of car perhaps a sports car you may want more bodily injury insurance coverage.

Make sure you get the best classic car insurance coverage you need, after all, vintage, classic/collectible, antique cars are special. Instead, easily compare quotes online with Pizano Insurance to find out what is available.

Facts About Car Insurance

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Throughout Plymouth, MN, you will find that there are all sorts of things to see and do. You not only have the metropolitan area of Minneapolis close by, but you have a growing population as well. When you’re out on the roads, you can experience all sorts of weather patterns throughout the year.

By paying attention to the kind of car insurance you have, you maintain peace of mind knowing that you and your car is protected. All sorts of coverage levels are available on your car in MN and this includes the state mandated liability insurance as well as:

– Hail damage

– Collision coverage

– Comprehensive coverage

– Much more

Something as simple as clear coat can be damaged from all sorts of things, including hail damage. When this happens, the paint itself is more vulnerable and this can lead to rust and a less than attractive appearance on your car. When exposed to the rain and snow of MN, this is the last thing you want to deal with.

We take the time to find you coverage you can count on. This way, if you are involved in an accident, experience hail damage, or anything else, you will be able to make a claim. With more coverage, you can avoid having your claim in Plymouth denied, which is the worst thing that could happen. We take the time to go over coverage levels with you and find a policy that is not only affordable but that will give you confidence while out on the roads.

Let us help you find car insurance in Plymouth that you can count on to ensure your clear coat and the rest of your car can be repaired after something has happened to it.

Start getting insurance quotes today!