Want to learn how to buy lower-priced insurance rates in St. Paul, MN? St. Paul consumers have a choice when looking for low-cost Ford F-150 insurance. You can either waste hours struggling with agents to compare prices or use the internet to compare rates. There are both good and bad ways to buy insurance so you're going to learn the best way to quote coverages on a Ford and find the cheapest rates either online or from St. Paul insurance agents.
Cut your insurance rates with these eight discounts
Companies that sell car insurance don't list all available discounts very well, so the list below details both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy St. Paul car insurance online.
- No Claims - Good drivers with no accidents can save substantially compared to insureds who have frequent claims or accidents.
- St. Paul Homeowners Pay Less - Just being a homeowner can help you save on insurance because it is proof that your finances are in order.
- Savings for New Vehicles - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Discounts for Federal Employees - Having worked for a branch of the government could provide a small rate reduction but check with your company.
- Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
- Driver Training Discounts - Completing a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
- Sign Early and Save - A few insurance companies allow discounts for signing up early. You can save around 10% with this discount.
- Active Military Service - Being on active duty in the military could trigger a small discount.
It's important to understand that most discount credits are not given to the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.
For a list of providers that can offer you the previously mentioned discounts in Minnesota, click here to view.
Most major insurance companies like 21st Century, Allstate and State Farm provide insurance quotes online. Getting quotes for Ford F-150 insurance in St. Paul is fairly simple because you just enter the coverage amounts you desire as requested by the quote form. After the form is submitted, their quoting system will order your driving record and credit report and provides a quote based on these and other factors.
Getting online price quotes for Ford F-150 insurance in St. Paul simplifies rate comparisons, and it's also necessary to perform this step if you want to get the most affordable premium on auto insurance.
To get comparison pricing now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you enter the insurance coverages just like they are on your policy. This ensures you are getting a fair comparison for similar coverage.
The companies in the list below offer free quotes in St. Paul, MN. If multiple providers are shown, it's a good idea that you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$150||$220||$358||$22||$108||$858||$72|
|F-150 STX Regular Cab 2WD||$150||$268||$358||$22||$108||$906||$76|
|F-150 XL Super Cab 2WD||$210||$390||$384||$22||$114||$1,120||$93|
|F-150 XLT Regular Cab 2WD||$216||$372||$326||$20||$98||$1,032||$86|
|F-150 STX Super Cab 2WD||$204||$418||$358||$22||$108||$1,110||$93|
|F-150 XL Crew Cab 2WD||$182||$252||$326||$20||$98||$878||$73|
|F-150 XLT Super Cab 2WD||$236||$384||$412||$24||$124||$1,180||$98|
|F-150 STX Regular Cab 4WD||$192||$310||$412||$24||$124||$1,062||$89|
|F-150 XL Regular Cab 4WD||$148||$246||$384||$22||$114||$914||$76|
|F-150 FX2 Super Cab 2WD||$172||$268||$358||$22||$108||$928||$77|
|F-150 XLT Crew Cab 2WD||$234||$398||$358||$22||$108||$1,120||$93|
|F-150 XL Super Cab 4WD||$130||$210||$334||$20||$100||$794||$66|
|F-150 XLT Regular Cab 4WD||$268||$466||$384||$22||$114||$1,254||$105|
|F-150 XL Crew Cab 4WD||$240||$344||$304||$18||$92||$998||$83|
|F-150 STX Super Cab 4WD||$238||$332||$334||$20||$100||$1,024||$85|
|F-150 XLT Super Cab 4WD||$220||$314||$384||$22||$114||$1,054||$88|
|F-150 FX2 2WD||$302||$566||$384||$22||$114||$1,388||$116|
|F-150 Lariat Super Cab 2WD||$266||$466||$412||$24||$124||$1,292||$108|
|F-150 Lariat Crew Cab 2WD||$220||$384||$384||$22||$114||$1,124||$94|
|F-150 FX4 Super Cab 4WD||$146||$268||$358||$22||$108||$902||$75|
|F-150 XLT Crew Cab 4WD||$170||$260||$318||$18||$94||$860||$72|
|F-150 FX4 4WD||$352||$492||$416||$24||$124||$1,408||$117|
|F-150 Lariat Crew Cab 4WD||$164||$294||$412||$24||$124||$1,018||$85|
|F-150 SVT Raptor Super Cab 4WD||$342||$606||$428||$26||$128||$1,530||$128|
|F-150 Lariat Super Cab 4WD||$216||$352||$304||$18||$92||$982||$82|
|F-150 Lariat Crew Cab Platinum 2WD||$272||$560||$384||$22||$114||$1,352||$113|
|F-150 Lariat Crew Cab Harley 2WD||$352||$580||$416||$24||$124||$1,496||$125|
|F-150 Lariat King Ranch 2WD||$342||$714||$428||$26||$128||$1,638||$137|
|F-150 Lariat King Ranch 4WD||$344||$580||$318||$18||$94||$1,354||$113|
|F-150 Lariat Crew Cab Harley 4WD||$174||$282||$326||$20||$98||$900||$75|
|F-150 Lariat Crew Cab Platinum 4WD||$392||$580||$416||$24||$124||$1,536||$128|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific zip code location which can lower or raise coverage rates greatly.
Poor driving habits will raise your auto insurance rates
The illustration below illustrates how violations and at-fault fender-benders can drive up Ford F-150 insurance costs for each different age group. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
It's not one size fits all
Keep in mind that when it comes to choosing your policy for your personal vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you may require specific advice.
- Am I covered when driving a rental car?
- Do I have coverage when using my vehicle for my home business?
- Can I rent a car in Mexico?
- Is extra glass coverage worth it?
- Should I get collision insurance on every vehicle?
- Does car insurance cover theft of personal property?
If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.
Comparing rates from local St. Paul auto insurance agents
Certain consumers still like to go talk to an agent and that is not a bad decision Licensed agents can help you build your policy and help file insurance claims. One of the best bonuses of price shopping on the web is that drivers can save money and get lower auto insurance rates and still choose a local agent.
After completing this short form, your insurance data is sent to participating agents in St. Paul who will give competitive quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go instantly to you. If for some reason you want to get a rate quote for a specific company, feel free to find their quoting web page and fill out the quote form the provide.
Finding the right company requires you to look at more than just a cheap quote. Any agent in St. Paul should be willing to answer these questions.
- Is the agent CPCU or CIC certified?
- Are they in the agency full-time?
- What companies can they write with?
- What discounts might you be missing?
- How much will you save each year by using a higher deductible?
- Are claims handled at the agent's location?
- Is the coverage adequate for your vehicle?
Listed below is a short list of car insurance companies in St. Paul that may be willing to give price quote information for Ford F-150 insurance in St. Paul.
- East Metro Insurance Agency, LLC: Bill Runck
1901 Minnehaha Ave E - St Paul, MN 55119 - (651) 323-2021 - View Map
- John W Traeger Insurance Agency, Inc
1050 County Rd E - St Paul, MN 55126 - (651) 414-6400 - View Map
- Allstate Insurance: Mark Adelman
1692 Randolph Ave - St Paul, MN 55105 - (651) 699-6697 - View Map
- American Family Insurance - Lisa Boone Agency Inc.
2574 7th Ave E - North St Paul, MN 55109 - (651) 770-6994 - View Map
Insurance coverages and their meanings
Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.
Liability coverages - Liability coverage will cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 30/60/10 that means you have a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, emergency aid, medical services and repair bills for other people's vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Minnesota requires minimum liability limits of 30/60/10 but it's recommended drivers buy higher limits.
Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, fire damage, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for bills such as nursing services, prosthetic devices, chiropractic care and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Ford F-150.
Because many people carry very low liability coverage limits (30/60/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage - Collision coverage will pay to fix damage to your F-150 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like scraping a guard rail, rolling your car, crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible on your F-150 in order to get cheaper collision rates.
Be persistent to save money
When getting St. Paul car insurance quotes online, make sure you don't reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to regret they didn't purchase enough coverage. Your focus should be to buy enough coverage at the best price, but don't skip important coverages to save money.
Lower-priced auto insurance in St. Paul can be found online as well as from independent agents in St. Paul, so get free St. Paul car insurance quotes from both of them to have the best rate selection. Some companies may not provide online quoting and most of the time these smaller companies only sell through independent agents.
For more information, feel free to visit the following helpful articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for a Ford F-150 in Minnesota? (FAQ)
- How Much is Minnesota Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has Cheap Car Insurance Rates for Retired Military in Minnesota? (FAQ)
- Who Has the Cheapest Auto Insurance for Homeowners in Minnesota? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Civic in Minnesota? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)