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State Farm® Insurance Agent

Tammie Downare

Office Hours

After Hours by Appointment

Address

1269 2nd Street North Suite 100
Sauk Rapids, MN 56379

Profile photo of a State Farm Agent named: Tammie Downare

Would you like to create a personalized quote?

Office Info

Office Hours

After Hours by Appointment

Call or text us 24 hours a day!

Contact me to schedule a virtual meeting

Address

1269 2nd Street North Suite 100
Sauk Rapids, MN 56379

Location Details

  • Parking: In front of building
  • Parking: South of building
  • No steps/stairs

Languages

English

Welcome to the Tammie Downare State Farm Insurance Agency!

🐣March in Minnesota: Spring Transition Check for Your Coverage🌷

March brings a mix of winter and spring. Melting snow, wind, potholes, and early spring travel can change your risk picture quickly. This is a great month to review the policies you rely on most so you feel prepared and confident heading into the season ahead.

At the Tammie Downare State Farm Agency, my team and I make insurance simple, clear, and personalized, so you can make decisions without feeling overwhelmed.

March Insurance Checklist

  • Auto and Commuting: Review deductibles, towing/roadside options, and what to do after an accident, especially with potholes and changing road conditions.

  • Home and Renters: Confirm protection for spring transition risks like wind damage, water issues, and updated valuables or home improvements.

  • Life Changes Update: New job, new vehicle, new home, or a growing family can all affect coverage needs.

  • Life Insurance and Beneficiaries: Review beneficiaries and confirm whether coverage still fits your goals.

  • Business Owners: If you own a business, confirm updates to equipment, inventory, vehicles, or operations so coverage stays aligned.

  • Bundling and Simplifying: Ask about combining policies to simplify service and potentially reduce costs.

Serving the Sauk Rapids and St. Cloud, Minnesota communities and throughout Central Minnesota. Our office has served as a staple in the area since 2001, and we are committed to exceptional customer service.

With over 30 years of experience, our team is proud to offer a wide range of options, including Auto, Home, Renters, Life, and Business Insurance, plus other lines to support your needs. Whether you are in Waite Park, Sauk Rapids, Becker, or nearby communities, we are ready to help.

Outside of work, I enjoy crafting, art, reading, and spending time with my family. My husband and I have been married for over 39 years, and we have four wonderful children. I am also passionate about volunteering and supporting local organizations.

If you are looking for quotes or a coverage review, my team and I would be happy to create a Personal Price Plan tailored to you. Call, text, email, or stop by. We offer in-person and virtual appointments. What matters to you, matters to us.

FAQs

How do I get an insurance quote? Call, text, email, or stop by, and our team can help. You can also start a quote online anytime.

Can you help with more than auto and home? Yes. We offer coverage options for auto, home, renters, life, business, and more.

When is the ideal time to review coverage? Anytime your life changes, and March is a smart time to confirm you are ready for seasonal risks.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Annuities

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At Tammie Downare State Farm in St. Cloud, MN, we’ve proudly served Stearns, Benton, and Sherburne counties since 2001. We help State Farm customers with Auto, Home, Renters, Life, and Business Insurance options, with guidance that’s clear and personal. Our goal is to build meaningful relationships while helping you protect what matters most and prepare for the unexpected. Reach out today to get started!

Meet our Awesome team! 😊 We provide warm, attentive service and strive to be customers’ preferred choice in Minnesota. We focus on Auto, Home, Life, and Business Insurance across Central Minnesota, including St. Cloud, Sartell, Sauk Rapids, St. Joseph, Waite Park, Clearwater, and St. Augusta.

Call, text, email, or stop by to connect.

What We Can Help With:

✅ Quick coverage reviews after winter changes and spring plans

✅ Clear explanations so you know what you have and what you may want to adjust

✅ Help comparing deductibles and options like towing, roadside, and rental coverage

Appointments 💻

In-person, Virtual or Phone appointments are available, Monday through Friday, 9 AM to 5 PM.

Next Step 📞

Stop in, Call, Text, or Click to set up personal time with our team. We will help you manage everyday risks, plan for the unexpected, and leave with a clear next step plan.