Are you looking for low-cost Toyota Corolla insurance in St. Paul? Getting lower priced St. Paul Toyota Corolla insurance quotes on the internet may be overwhelming for beginners to shopping for insurance on the internet. With more and more online companies, how are drivers able to possibly compare the different rates to find the lowest price?

Discount Toyota Corolla insuranceSurprisingly, a recent survey revealed that over 70% of drivers kept their coverage with the same insurance company for four years or more, and nearly the majority have never compared insurance rates at all. Minnesota insurance shoppers could save approximately $1,040 each year by just comparing rate quotes, but they don't want to spend time to do a rate comparison.

It's smart to get comparison quotes on a regular basis due to the fact that insurance prices are constantly changing. Just because you found the lowest price on Toyota Corolla insurance in St. Paul six months ago you can probably find a better rate quote now. Forget all the misinformation about insurance because you're about to learn the proper way to remove unneeded coverages and save money.

Car insurance discounts are available to lower rates

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden discounts that you may qualify for. If they aren't giving you every credit you qualify for, you could be paying more than you need to.Car insurance discounts

Just know that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like it's possible to get free car insurance, it doesn't quite work that way.

The best car insurance companies and a partial list of their discounts are included below.

If you need lower rates, check with all companies you are considering which credits you are entitled to. Some credits might not be available to policyholders in your state. To view car insurance companies with the best discounts in St. Paul, click this link.

The best way we recommend to compare rate quotes for Toyota Corolla insurance in St. Paul is to realize auto insurance companies will pay a fee to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details like coverage limits, any included safety features, if your license is active, and how much education you have. Your information gets sent immediately to multiple companies and you get price estimates with very little delay.

To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance in St. Paul.

The auto insurance companies shown below are our best choices to provide price comparisons in St. Paul, MN. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Toyota Corolla Insurance Rates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $238 $476 $324 $20 $96 $1,154 $96
Corolla S $172 $404 $358 $22 $108 $1,064 $89
Corolla XLE $234 $598 $358 $22 $108 $1,320 $110
Corolla XRS $174 $326 $298 $18 $90 $906 $76
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can decrease or increase premiums noticeably.

Choosing deductibles

The chart below illustrates how your deductible choice and can impact Toyota Corolla annual premium costs for each age group. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The figures shown below lay out the cost difference when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Toyota Corolla insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $246 $486 $318 $18 $94 $1,187 $99
Corolla S $246 $486 $318 $18 $94 $1,187 $99
Corolla XLE $246 $486 $318 $18 $94 $1,187 $99
Corolla XRS $276 $486 $318 $18 $94 $1,217 $101
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Toyota Corolla insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $152 $306 $318 $18 $94 $888 $74
Corolla S $152 $306 $318 $18 $94 $888 $74
Corolla XLE $152 $306 $318 $18 $94 $888 $74
Corolla XRS $170 $306 $318 $18 $94 $906 $76
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower rates considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $25 more each month or $300 each year than choosing the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 30 months between claims, you would probably save some money if you choose the higher deductible.

Buying car insurance from St. Paul insurance agents

Many people just want to get professional advice from a licensed agent and that can be a smart move The best thing about price shopping on the web is that drivers can save money and get better rates but still work with a licensed agent. Buying from small agencies is still important in St. Paul.

Insurance agency in St. PaulTo make it easy to find an agent, after completing this short form, the quote information is immediately sent to local insurance agents in St. Paul who will return price quotes for your insurance coverage. You don't have to leave your house because prices are sent directly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you have a need to get a rate quote from a particular provider, you would need to find their quoting web page and submit a quote form there.

How to choose the best auto insurance agent in St. Paul

When looking for a reputable insurance agent or broker, you need to know there are two different agency structures and how they are slightly different. Car insurance agencies can either be exclusive or independent.

Independent Car Insurance Agencies

Independent agents often have many company appointments so as a result can place your coverage through many different car insurance companies and get the cheapest rates. If your agent finds better pricing, they simply switch companies in-house and you don't have to switch agencies. When comparing car insurance prices, it's a good idea to get some free quotes from at a minimum one independent agency to have the most options to choose from. Most can insure with additional companies that you may not be familiar with which could offer lower prices.

Shown below is a partial list of independent insurance agencies in St. Paul that may be able to provide free rate quotes.

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Exclusive Car Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm or Allstate. They are unable to compare rates from other companies so they really need to provide good service. Exclusive agencies are highly trained on their company's products which helps them compete with independent agents. Consumers frequently choose to use an exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.

The following are St. Paul exclusive agencies that can give you price quotes.

More insurance agents

Finding the right car insurance agent should depend on more than just the price. These are some questions you should get answers to.

Find affordable auto insurance prices by comparing often

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

Affordable Toyota Corolla insurance in St. Paul can be bought both online as well as from independent agents in St. Paul, and you should compare rates from both to get a complete price analysis. Some auto insurance companies may not provide price quotes online and many times these regional insurance providers provide coverage only through independent agents.

We just covered a lot of information how to compare Toyota Corolla insurance car insurance rates in St. Paul. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest Toyota Corolla rate quotes. You may even be surprised to find that the best price on auto insurance is with a lesser-known regional company.

More detailed auto insurance information can be read by following these links: