Getting lower-cost St. Paul Toyota Camry insurance quotes may be overwhelming for drivers new to quoting and comparing and buying insurance on the internet. With more and more online companies, how are we expected to have the ability to compare every possible option in order to find the lowest price available?
It's hard to believe, but the majority of drivers kept their coverage with the same insurance company for at least the last four years, and nearly 40% of drivers have never compared rates to find cheaper insurance. Consumers in St. Paul could save as much as 50% a year by just comparing quotes, but they don't want to spend time to shop around.
You should take the time to take a look at other company's rates quite often due to the fact that insurance prices change quite often. Despite the fact that you may have had the best deal on Toyota Camry insurance in St. Paul a few years ago you can probably find a better rate quote now. Don't believe everything you read about Camry insurance out there, but in this article, you're going to get some solid techniques on how to quit paying high insurance rates in St. Paul.
The most recommended method to compare rates for Toyota Camry insurance in St. Paul is to understand most of the larger companies actually pay money for the chance to quote your coverage. All you need to do is give them rating details such as your general credit rating, distance driven, how much school you completed, and if a SR-22 is required. Your information is instantly provided to many of the top insurers and you should receive rate quotes instantly.
To compare rates for your car now, click here and complete the quick form.
The following companies offer comparison quotes in St. Paul, MN. If multiple companies are shown, it's highly recommended you visit two to three different companies to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in zip code location which can raise or lower insurance rates noticeably.
Yearly auto insurance costs for men versus women
The information below compares Toyota Camry auto insurance costs for male and female drivers. Data assumes no accidents or driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
Cautious drivers save money
The information below shows how speeding tickets and at-fault claims drive up Toyota Camry car insurance costs for different categories of driver ages. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Cheap St. Paul auto insurance rates with discounts
Insurance can be prohibitively expensive, but there may be some discounts that can help lower your rates. Most are applied when you get a quote, but some may not be applied and must be specially asked for before being credited.
- One Accident Forgiven - Not really a discount, but companies like Allstate and State Farm will forgive one accident without getting socked with a rate hike if you have no claims prior to the accident.
- Drivers Education - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course if offered at their school.
- Student Discounts - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- Defensive Driving Course - Successfully completing a course teaching defensive driver skills could save 5% or more and easily recoup the cost of the course.
- Air Bags and Passive Restraints - Factory air bags or motorized seat belts can get savings of 25 to 30%.
- Cautious Driver Discount - Insureds who avoid accidents can save up to 40% or more on their St. Paul auto insurance quote than less cautious drivers.
You can save money using discounts, but most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts should help reduce the amount you have to pay.
Large auto insurance companies and some of the discounts can be read below.
- GEICO offers discounts for membership and employees, good student, military active duty, seat belt use, emergency military deployment, five-year accident-free, and air bags.
- MetLife policyholders can earn discounts including defensive driver, multi-policy, accident-free, good student, claim-free, good driver
- State Farm includes discounts for student away at school, passive restraint, safe vehicle, good student, Steer Clear safe driver discount, Drive Safe & Save, and driver's education.
- Progressive may include discounts for online quote discount, homeowner, continuous coverage, online signing, multi-vehicle, good student, and multi-policy.
- Mercury Insurance has discounts for type of vehicle, professional/association, anti-theft, good driver, good student, and location of vehicle.
- 21st Century has savings for theft prevention, 55 and older, driver training, automatic seat belts, homeowners, and student driver.
- Allstate discounts include premier plus, safe driver, senior citizen, resident student, and early signing.
If you want low cost St. Paul auto insurance quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in your state. To see a list of providers that have a full spectrum of discounts in Minnesota, click here.
Compare prices but buy from a local St. Paul insurance agency
A small number of people would prefer to have an agent's advice and that can be a great decision A good thing about comparing auto insurance online is the fact that drivers can get cheaper car insurance rates and still have an agent to talk to.
Upon completion of this short form, the quote information is emailed to insurance agents in St. Paul who will give competitive quotes for your business. It's much easier because you don't need to do any legwork due to the fact that quote results will go immediately to your email address. You'll get the best rates without the usual hassles of price shopping. If you want to get a comparison quote from a specific insurance company, you can always search and find their rate quote page and submit a quote form there.
Finding the right insurer should depend on more than just a cheap price. The following questions are important to ask.
- Does the agency support the community they serve?
- Is the agent properly licensed in Minnesota?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will they give you a referral list?
- What insurance companies do they recommend if they are an independent agent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you need to find a reliable insurance agency, there are a couple of different agency structures to choose from. Auto insurance agencies are classified as either independent or exclusive.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel are contracted to one company such as State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well schooled in insurance sales which helps them sell on service rather than price. Some insured continue to buy insurance from these agents partially due to the brand name instead of buying on price only.
Listed below are St. Paul exclusive agents who may provide you with rate quotes.
- Farmers Insurance - Tyanne Chuong
1047 University Ave W #102 - St Paul, MN 55104 - (651) 209-8940 - View Map
- American Family Insurance - Tschida Bryan Agcy Inc
1560 7th St W - St Paul, MN 55102 - (651) 690-5334 - View Map
- State Farm: Michael F. Collins
1565 Como Ave - St Paul, MN 55108 - (651) 646-0447 - View Map
Independent Agencies or Brokers
Independent insurance agents are not locked into one company so as a result can place your coverage through many companies and find you cheaper rates. If prices rise, the business is moved internally and you don't have to switch agencies. When comparing auto insurance prices, it's recommended you get quotes from several independent insurance agents to maximize your price options. Many can place coverage with small regional insurance companies which may have better rates.
Below is a list of independent agencies in St. Paul that are able to give rate quotes.
- Moores Insurance Management Inc
380 St Peter St #720 - St Paul, MN 55102 - (651) 255-6800 - View Map
- Minneapolis St. Paul Agency Insurance and Risk Management
2469 University Ave W - St Paul, MN 55114 - (651) 647-9665 - View Map
- MISA - Midwest Insurance Service Agency, Inc
1818 Wooddale Dr #203 - St Paul, MN 55125 - (651) 731-5358 - View Map
Auto insurance coverage information
Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
This coverage will pay to fix damage to your Camry caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your Camry to get cheaper collision coverage.
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, hitting a bird, rock chips in glass, hail damage and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Liability auto insurance
Liability coverage can cover damage that occurs to other's property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/10 that means you have $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability can pay for claims such as structural damage, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Minnesota state law requires minimum liability limits of 30/60/10 but drivers should carry higher limits.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, prosthetic devices, chiropractic care and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
Uninsured or underinsured coverage
This coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Camry.
Because many people carry very low liability coverage limits (30/60/10 in Minnesota), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Don't give up on cheaper rates
Insureds switch companies for many reasons like policy non-renewal, policy cancellation, delays in responding to claim requests and even delays in paying claims. It doesn't matter what your reason, switching companies is pretty easy and you might even save some money in the process.
When shopping online for insurance, don't be tempted to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but don't skip important coverages to save money.
We've covered a lot of tips how to find lower-cost Toyota Camry insurance in St. Paul. It's most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even be surprised to find that the lowest car insurance rates are with an unexpected company.
More detailed insurance information is located in these articles:
- What Does No-Fault Insurance Cover? (Allstate)
- How Much are Car Insurance Rates for Drivers Over Age 50 in Minnesota? (FAQ)
- How Much is Minnesota Auto Insurance for Low Credit Scores? (FAQ)
- Who Has Affordable Auto Insurance Rates for Nurses in Minnesota? (FAQ)
- All About Airbag Safety (State Farm)
- Winter Driving (Insurance Information Institute)