Looking for cheaper car insurance rates in St. Paul, MN? St. Paul drivers have options when trying to find the lowest priced Ford Focus insurance. You can either spend your time calling around trying to get quotes or leverage the internet to find the lowest rates.
There are both good and bad ways to compare car insurance rates and you need to know the proper way to get price quotes for your Ford and get the lowest possible price either online or from St. Paul insurance agents.
You should make it a habit to check car insurance prices occasionally because insurance prices are constantly changing. Even if you got the best price on Ford Focus insurance in St. Paul a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because it's time to teach you how to use the internet to remove unneeded coverages and save money.
Finding a better price on auto insurance is actually quite simple. You just need to invest a little time comparing rates to find the company with affordable Ford Focus insurance quotes.
The companies in the list below are ready to provide free rate quotes in St. Paul, MN. If multiple providers are shown, we recommend you visit two to three different companies to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$198||$334||$416||$24||$124||$1,096||$91|
|Focus SE 4-Dr Sedan||$168||$326||$324||$20||$96||$934||$78|
|Focus SEL 4-Dr Sedan||$134||$326||$298||$18||$90||$866||$72|
|Focus SES 4-Dr Sedan||$194||$448||$326||$20||$98||$1,086||$91|
|Focus SE 2-Dr Coupe||$246||$486||$358||$22||$108||$1,220||$102|
|Focus SES 2-Dr Coupe||$172||$384||$376||$22||$112||$1,066||$89|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in garaging location in St. Paul which can decrease or increase premium rates significantly.
Higher deductibles lower rates
The illustration below shows how different deductible levels and can raise or lower Ford Focus insurance rates for different age groups. The rates are based on a married male driver, full physical damage coverage, and no discounts are factored in.
Ford Focus insurance rates by gender
The illustration below shows the comparison of Ford Focus insurance premiums for male and female drivers. The data assumes no violations or claims, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in.
Does full coverage make sense?
The information below illustrates the comparison of Ford Focus insurance prices with full physical damage coverage compared to only buying liability only. The prices are based on no claims or driving citations, $1,000 deductibles, married male driver, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no clear-cut rule that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let's say your Ford Focus replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your policy deductible. If it's costing you more than $800 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Discounts mean cheaper rates for Ford Focus insurance in St. Paul
The cost of insuring your cars can be expensive, but there may be some discounts that you may not know about. Some discounts will apply at the time you complete a quote, but a few must be manually applied before you will receive the discount.
- One Accident Forgiven - Not a discount per se, but a handful of insurance companies may permit one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
- Save over 55 - If you're over the age of 55, you are able to get reduced rates.
- Lower Rates for Military - Being on active deployment in the military may lower your premium rates slightly.
- Paper-free Discount - Certain insurance companies give back up to $50 shop St. Paul auto insurance digitally online.
- Telematics Data - Drivers who elect to allow driving data collection to monitor driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
- Driver Education Discount - Teen drivers should successfully complete driver's ed class if it's offered in school.
While discounts sound great, it's important to understand that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn't work that way.
Popular insurance companies and some of the premium reductions they offer can be found below.
- GEICO discounts include five-year accident-free, membership and employees, air bags, anti-theft, federal employee, daytime running lights, and driver training.
- Travelers has savings for driver training, multi-car, IntelliDrive, continuous insurance, student away at school, and home ownership.
- Nationwide may include discounts for accident-free, Farm Bureau membership, anti-theft, easy pay, multi-policy, business or organization, and family plan.
- Farmers Insurance includes discounts for mature driver, electronic funds transfer, youthful driver, distant student, homeowner, and teen driver.
- Esurance has discounts for anti-theft, defensive driver, homeowner, Pac-12 alumni, multi-policy, and online quote.
- State Farm offers discounts including good student, safe vehicle, multiple policy, anti-theft, Drive Safe & Save, and multiple autos.
- Progressive offers premium reductions for homeowner, continuous coverage, multi-policy, online quote discount, online signing, and good student.
- Mercury Insurance offers discounts for multi-policy, annual mileage, good driver, age of vehicle, low natural disaster claims, and location of vehicle.
Before you buy a policy, ask all the companies to apply every possible discount. All car insurance discounts may not apply to policies in St. Paul. To choose insurance companies that offer the discounts shown above in St. Paul, click this link.
Local St. Paul insurance agents
Many people just want to talk to an insurance agent and that can be a great decision Professional insurance agents are very good at helping people manage risk and give you someone to call. An additional benefit of comparing rates online is that you can obtain the lowest rates and still have an agent to talk to. And providing support for local agents is important particularly in St. Paul.
Once you complete this form (opens in new window), your insurance data is submitted to local insurance agents in St. Paul who can give free rate quotes for your business. You won't need to contact any agents due to the fact that quote results will go instantly to you. If you have a need to compare prices from one company in particular, you just need to jump over to their website to submit a rate quote request.
If you prefer to buy car insurance from a local St. Paul insurance agent, it's important to understand the types of insurance agents and how they can quote your rates. Insurance agencies in St. Paul may be either independent or exclusive depending on the company they work for. Both can sell car insurance policies, but it's good to learn the difference in the companies they write for because it may have an impact on the selection process.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent are normally appointed by many insurers so they can write business through many companies and get the cheapest rates. If prices rise, your agent can switch companies which requires no work on your part. When comparison shopping, you need to include price quotes from a few independent agents in order to compare the most rates. Many independent agencies also insure through less well-known companies which could offer lower prices.
Listed below is a list of independent agencies in St. Paul who can help you get comparison quotes.
- Unidale Insurance Agency
575 University Ave W - St Paul, MN 55103 - (651) 227-8251 - View Map
- American Home Agency
1737 Cope Ave E - St Paul, MN 55109 - (651) 777-7469 - View Map
- East Metro Insurance Agency, LLC: Bill Runck
1901 Minnehaha Ave E - St Paul, MN 55119 - (651) 323-2021 - View Map
Agents in the exclusive channel work for only one company and examples are State Farm or Allstate. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are well trained on sales techniques and that enables them to sell even at higher rates. Some people will only buy from exclusive agents partially due to the brand name and solid financial strength.
Below is a list of exclusive insurance agents in St. Paul that can give you price quote information.
- Farmers Union Insurance Agency
305 Roselawn Ave E #100 - St Paul, MN 55117 - (800) 229-1064 - View Map
- American Family Insurance - Tong Yang
1087 Payne Ave - St Paul, MN 55130 - (651) 793-8677 - View Map
- Bruce Wagner - State Farm Insurance Agent
2575 Hamline Ave N Suite A - St Paul, MN 55113 - (651) 633-7355 - View Map
Selecting an insurance agent needs to be determined by more than just a low price. Get answers to these questions too.
- If your car is in the repair shop, do you have coverage for a rental car?
- How does the company pay claims for a total loss?
- Do they reduce claim amounts on high mileage vehicles?
- How are they compensated?
- How often do they review coverages?
- Which companies can they place coverage with?
After getting answers to your satisfaction and an affordable coverage quote, it's possible that you found an insurance agent that is professional and can properly insure your vehicles.
Insurance agents can help
When quoting and choosing the best insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Every insured's situation is different.
Here are some questions about coverages that might help in determining whether you might need professional guidance.
- If I drive on a suspended license am I covered?
- I have good health insurance, so how much medical payments coverage do I need?
- Is a fancy paint job covered?
- Is water damage covered by my policy?
- What is the difference between comprehensive and collision coverage?
- When would I need additional glass coverage?
- Do I need medical payments coverage since I have good health insurance?
If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, free and may give you better protection.
Insurance Rate Influencing Factors
Lots of things are considered when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are more obscure such as your credit history or how financially stable you are. An important part of buying insurance is that you know the rating factors that are used to determine your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates.
The list below includes some of the factors used by insurance companies to determine prices.
- Bundle policies and save - Most major companies will award better rates to insureds that buy multiple policies, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even if you're getting this discount it's in your best interest to compare Ford Focus rates in St. Paul to ensure the best deal.
- Do thieves like your car? - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
- How credit score affects insurance rates - Having a bad credit score can be an important factor in determining premium rates. If your credit score is low, you could save money insuring your Ford Focus if you improve your credit rating. Insureds with excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
- Getting married is a good thing - Having a significant other can actually save you money on your insurance policy. Having a significant other may mean you are more mature and responsible and it's statistically proven that married drivers tend to have fewer serious accidents.
- Good drivers pay the best prices - Your driving citation history can have a huge impact on auto insurance premiums. Having just one citation can increase the cost of insurance substantially. Drivers with clean records get better prices than bad drivers. Drivers who have gotten multiple violations such as DUI or willful reckless driving are required to submit a SR-22 or proof of financial responsibility with their state in order to keep their license.
- Better premiums for continuous insurance coverage - Letting your insurance expire can be a sure-fire way to bump up your insurance costs. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a revoked license or a big fine.
- Five star safety rating saves money - Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If your Ford Focus scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Do you really need the extra policy coverages? - There are quite a few add-on coverages that you can get tricked into buying if you aren't careful. Insurance for things like personal injury protection, accidental death, and extra life insurance coverage may be costing you every month. The coverages may be enticing initially, but your needs may have changed so remove them and pocket the money.
- Insurance loss data for a Ford Focus - Auto insurance companies analyze historical claim data to help determine the price you pay. Models that the data shows to have increased claim numbers or amounts will have higher rates.
The information below illustrates the historical insurance loss data for Ford Focus vehicles. For each type of coverage, the statistical loss for all vehicles, as a total average, is set at 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values over 100 point to more frequent losses or a tendency for losses to be larger than average.
Insurance Loss Ratings for Ford Focus Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford Focus 106 98 90 103 109 111 Ford Focus Electric 87 85 66
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Why do I need car insurance?
Even though it can be expensive, auto insurance may be required and benefits you in several ways.
First, almost all states have minimum liability requirements which means state laws require a specific level of liability insurance coverage if you don't want to risk a ticket. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Ford Focus, most banks will force you to buy insurance to guarantee loan repayment. If you default on your policy, the bank may buy a policy for your Ford at a significantly higher premium and make you pay a much higher amount than you were paying before.
Third, insurance safeguards your car and your assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance are definitely more than the cost, especially when you need to use it. The average driver in Minnesota is wasting up to $869 every year so it's recommended you shop around once a year at a minimum to help ensure money is not being wasted.
The best insurance company isn't always the cheapest
Some insurance providers may not offer online price quotes and usually these small insurance companies only sell through local independent agencies. Cheaper car insurance in St. Paul can be purchased online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
You just learned some good ideas how you can shop for Ford Focus insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company.
Drivers switch companies for many reasons like unfair underwriting practices, delays in paying claims, high prices or even poor customer service. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
To read more, take a look at the following helpful articles:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Cheap Auto Insurance for First-time Drivers in Minnesota? (FAQ)
- Who Has the Cheapest Car Insurance Rates for College Graduates in Minnesota? (FAQ)
- Who Has Affordable Minnesota Car Insurance Quotes for a Chevrolet Equinox? (FAQ)
- What Car Insurance is Cheapest for Handicapped Drivers in Minnesota? (FAQ)
- How Much is Minnesota Auto Insurance for Low Credit Scores? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Hybrid Vehicles in Minnesota? (FAQ)
- What Auto Insurance is Cheapest for Uber Drivers in Minnesota? (FAQ)
- Vehicle Insurance (Wikipedia)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)