Has it been over a year since you last compared quotes for more competitive Chevy Cruze insurance in St. Paul? Trying to find cheaper insurance for a new or used Chevy Cruze in Minnesota can normally be a lot of work, but you can use these tips to make it easier. There is a better way to buy auto insurance and you need to know the best way to quote coverages for a Chevy and locate the best price possible from St. Paul insurance agents and online providers.
A recent NerdWallet.com study revealed that a large majority of drivers have purchased from the same company for more than four years, and 38% of customers have never quoted rates to find affordable coverage. Minnesota insurance shoppers could save themselves nearly $1,039 a year just by comparing rates, but they just feel it's too hard to compare rate quotes online.
If you have a policy now or are looking for a new policy, use these cost-cutting techniques to get lower rates without sacrificing coverage. Quoting and comparing rates for the most affordable coverage in St. Paul is not as hard as you think. Smart shoppers just need to know the fastest way to get comparison rates from multiple carriers.
Discounts mean cheaper rates for Chevy Cruze insurance in St. Paul
Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Many discounts should be triggered when you purchase, but some may not be applied and must be specifically requested prior to getting the savings.
- Pay Now and Pay Less - By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
- Student Discounts - Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
- Switch and Save Discount - Some insurance companies reward drivers for switching companies before your current expiration date. This discount can save up to 10%.
- Multiple Policy Discount - If you can combine your home and auto policy and insure them both with the same insurance company you may save approximately 10% to 15%.
- Telematics Data - St. Paul drivers who agree to allow their company to analyze their driving habits remotely such as Allstate's Drivewise and State Farm's In-Drive system could possibly reduce rates as long as the data is positive.
- Senior Citizens - Older drivers may be able to get a slight reduction on a St. Paul auto insurance quote.
- Save with More Vehicles Insured - Drivers who insure several vehicles with the same insurance company can reduce the rates for all insured vehicles.
- E-sign - A few larger online companies give back up to $50 simply for signing digitally online.
It's important to note that most of the big mark downs will not be given to the whole policy. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, companies don't profit that way.
Insurance companies that may offer these discounts may include but are not limited to:
When comparing rates, check with each insurance company to apply every possible discount. A few discounts might not be offered in St. Paul.
The best way we recommend to compare rates for Chevy Cruze insurance in St. Paul is to know auto insurance companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is provide a little information like coverage limits, your job, the year, make and model of vehicles, and if a SR-22 is needed. Those rating factors gets transmitted to multiple top-rated companies and they respond with quotes instantly to find the best rate.
To find lower affordable Chevy Cruze insurance rates now, click here and see if a lower rate is available in St. Paul.
The companies in the list below provide comparison quotes in St. Paul, MN. If multiple companies are shown, we recommend you get rate quotes from several of them to get the best price comparison.
How Insurers Calculate Chevy Cruze Insurance Prices
Lots of factors are considered when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are more obscure such as your credit history or your commute time.
Performance influences costs - The performance level of the vehicle you need insurance for makes a significant difference in your auto insurance rates. The cheapest rates are usually found on small economy passenger models, but many other things help determine your insurance rates. Due to the fact that the Chevrolet Cruze is considered a passenger car, rates will be similar in price or lower than the average rate where you live in St. Paul.
Bad drivers pay high costs - Your driving citation history has a big impact on rates. Good drivers pay lower auto insurance prices as compared to careless drivers. Just one driving citation can boost insurance rates by as much as twenty percent. Drivers who get license-revoking tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state's licensing department in order to prevent their license from being revoked.
How do annual miles impact premiums? - The more miles you rack up on your Chevy every year the higher the price you pay to insure it. Most insurance companies apply a rate based upon how you use the vehicle. Autos that have low annual miles receive better premium rates compared to those used for work or business. Improper usage on your Cruze may be wasting your money. Verify your vehicle rating shows the proper vehicle usage.
High claims frequency drives up premiums - If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in Minnesota give the lowest premiums to drivers that do not abuse their auto insurance. Your insurance policy is designed for the bigger claims that can't be paid out-of-pocket.
Prevent your car from being stolen - Purchasing a vehicle that has an advanced theft prevention system can save you some money. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Chevy Cruze statistical loss data - Auto insurance companies study historical loss data to help determine rates. Vehicles that are shown to have higher frequency or amount of claims will have increased rates. The information below illustrates the historical loss data for Chevy Cruze vehicles.
For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
Auto Insurance Loss Data for Chevrolet Cruze Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance is unique, just like you
Always remember that when buying a policy for your vehicles, there really isn't a one size fits all plan. Every situation is different and your insurance should be unique as well. These are some specific questions can aid in determining whether or not you may require specific advice.
- What is GAP insurance?
- Does coverage follow the driver or the vehicle?
- Am I covered if I hit someone who is not insured?
- Is my cargo covered for damage or theft?
- Should I bundle my homeowners policy with my auto?
- Which is better, split liability limits or combined limits?
If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.
Compare rates but buy from a local St. Paul insurance agent
Some people still like to get advice from a local agent and that is just fine! Professional agents can help determine the best coverages and help in the event of a claim. A good thing about getting online price quotes is the fact that you can find cheap auto insurance quotes and also buy local.
Upon completion of this form (opens in new window), the coverage information is instantly submitted to insurance agents in St. Paul who will return price quotes for your auto insurance coverage. It's much easier because you don't need to leave your computer as quotes are delivered instantly to you. In the event you want to get a rate quote from a specific insurance company, don't hesitate to search and find their rate quote page and submit a quote form there.
Choosing the best insurer should include more criteria than just the quoted price. Any agent in St. Paul should be forthright in answering these questions:
- Can they provide you with a list of referrals?
- How are claims handled?
- Is the agent and/or agency licensed to do business in Minnesota?
- Do you need full coverage on every vehicle?
- Does the company have a solid financial rating?
- Do they review policy coverages at every renewal?
Pick the best auto insurance agent in St. Paul for you
When finding local St. Paul agents, there are a couple of different types of agents and how they are slightly different. St. Paul agents can either be independent agents or exclusive agents. Either one can sell auto insurance policies, but it's important to point out the difference in the companies they write for because it can impact the kind of agent you use.
These type of agents have only one company to place business with and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide other company's prices so you need to shop around if the rates are high. These agents receive extensive training on their products and sales techniques which helps them compete with independent agents. Drivers often use the same exclusive agent mainly due to the prominence of the brand rather than having low rates.
The following are St. Paul exclusive agents who may provide you with comparison quotes.
- American Family Insurance - Tschida Bryan Agcy Inc
1560 7th St W - St Paul, MN 55102 - (651) 690-5334 - View Map
- Juan Cervantes - State Farm Insurance Agent
391 Ruth St N - St Paul, MN 55119 - (651) 793-0777 - View Map
- American Family Insurance - Paul Gidley
245 Ruth St N Ste 101 - St Paul, MN 55119 - (651) 633-5210 - View Map
Independent Auto Insurance Agents
Independent agencies do not work for one specific company and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
If you are comparing auto insurance prices, we recommend you contact at a minimum one independent agency to get the best comparison. A lot of them also have access to small mutual carriers which may have better rates.
Listed below are St. Paul independent agents who can help you get rate quotes.
- Jordan Insurance Agency
566 Humboldt Ave - St Paul, MN 55107 - (651) 983-3753 - View Map
- MISA - Midwest Insurance Service Agency, Inc
1818 Wooddale Dr #203 - St Paul, MN 55125 - (651) 731-5358 - View Map
- Ernest I Fink Agency
1729 Carroll Ave - St Paul, MN 55104 - (651) 646-1881 - View Map
If you receive acceptable answers to these questions in addition to an acceptable price estimate, you may have just found a car insurance agent that is a good match to properly insure your vehicles. It's important to know that you are able to cancel your policy whenever you choose to so never assume that you are permanently stuck with a policy for the full policy term.
Here's why car insurance is not optional
Despite the high cost, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection if you want to drive legally. 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 vehicle, it's guaranteed your bank will require that you have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Chevy for a lot more money and make you pay for the expensive policy.
Third, insurance protects both your assets and your Chevy. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. An average driver in America overpays more than $700 annually so compare rate quotes at every policy renewal to ensure rates are competitive.
A conclusion for your insurance search
We just presented a lot of information how to compare Chevy Cruze insurance rates in St. Paul. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with a small local company. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.
Lower-priced insurance in St. Paul can be sourced on the web in addition to many St. Paul insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide price quotes online and most of the time these smaller providers sell through local independent agents.
For more information, feel free to visit the articles below:
- What is a Telematics Device? (Allstate)
- Which Company has the Cheapest Auto Insurance in Moorhead, MN? (FAQ)
- Who Has the Cheapest Auto Insurance for a Nissan Altima in Minnesota? (FAQ)
- How Much are Minnesota Car Insurance Quotes for Safe Drivers? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)