Founded in 1979, Cartier Agency has grown into a leading independent insurance agency because of our commitment to provide our clients with friendly, personal service and expertise in all areas of the insurance industry. While we're located in Minnesota, we can service clients throughout the United States. Currently we have customers in 35 states. Our team of professionals represents many years of experience in personal, commercial, life and health insurance. We work hard to build strong relationships with our insureds so they will have confidence in our management of their insurance plans. Cartier Agency has built a reputation of trust and integrity. We believe in becoming an integral part of our community. As a group we have served on many community boards and committees, belonged to numerous service organizations and contributed to the betterment and well-being of the Duluth area. We are a family-based business and look forward to providing insurance plans to our clients well into the future.
The Cartier Agency provides home, auto, farm, life, health, recreational vehicle and trucking insurance along with workers compensation
From Kari Toyota
What are the effects of ethanol or E85 fuel?
Flex fuel vehicles are vehicles that run on gasoline or E85, a fuel that contains up to 15 percent of ethanol. While Fuel economy will be substantially lower for any vehicle that uses E85 due to its lower energy, flex fuels make a difference at the pump by costing roughly 50 cents less per gallon. Vehicles that are designed for flex fuel, will have no difficulty switching back and forth between fuels. There are no issues with mixing E85 with unleaded gasoline in any ratio. The ECU senses the E85/unleaded gasoline ratio and adjusts engine performance accordingly.
From Cartier Agency
How can I get questions answered about the Affordable Care Act?
We recommend that people start with speaking to a trained professional. Trained insurance professionals or a navigator with MN Sure can help you determine if you are eligible for a variety of programs which have become available because of the Affordable Care Act. There are a lot of factors to take in consideration; like monthly premiums, deductibles, out-of-pocket expenses, co-pays and most importantly, which doctors one may see. A trained insurance professional may help you navigate through all of the changes of the Affordable Care Act and find a plan that works for you.
What is a personal injury case?
Personal injury is when you are hurt because of someone else's negligence or wrongful act. Personal injury covers a wide spectrum: car accidents, truck accidents, wrongful death, dog bites and other animal attacks, Jet Ski® and other personal water craft injury claims, defective products, premises liability or injury because of a defect in a building, slip and fall, worksite accidents, etc.
From Cartier Agency
How can I save money on my auto insurance premiums?
By getting your defensive drivers certificate, you not only become a more attentive driver, you will also receive a discount on your insurance premium. Another way to save money on your annual auto premiums is to look at raising your deductibles on comprehensive and collision coverage. The higher the deductible means the lower the premium. Again, insuring your home and auto together with one company will save you money on your annual insurance premiums” multi-policy discount.
How do I choose a rehabilitation facility?
Finding a place for a family member after a hospitalization, injury or illness can be a difficult task. They may be unable to live independently and require inpatient care in the short or long term. The most important thing to do is take a tour of the facility. Ask questions of the staff and Admissions Coordinator and be sure to address any special needs. We suggest you tour more than one place to find the best one for you.