Best Cheap Auto Insurance in Saint Paul 55109
You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud.
To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.
I purchased a mobile home a while back, and asked my agent Jody Bader if she could write up a policy for it. I have several current policies with her (cars, boat, household, snowmobile) and figured we could just add another. My mobile home is located at a resort on Mille Lacs. I was told, 'No, we do not cover that type of vehicle, too many rules and regulations about spacing of units, anchored or not, etc., but your home owners policy will cover your possessions, just not the structure itself. That was from Jody herself. I figured just having my possessions covered would be sufficient, as the structure is less likely to have any problems. Well, someone broke into my place and stole several things valued at around $3,000. I called Jody and submitted a claim. I then found out that I was NOT covered because I was not present during the theft. She just thought it was funny and denied having said it. So, I was given bad information that led me to believe I would be covered when I wasn't, and now I'm out $3,000. Not only that, but I would have taken a policy out with someone else if I had known or been given correct information. I do NOT recommend doing any business with Jody. I did not choose her as my agent, she was given all my accounts when my original agent, Jerry Ballot retired in 2006. This is very upsetting, not only to find I am not covered, but to be mislead in the first place. I have nothing against State Farm itself.
I currently live in Eastside St Paul and was driving home up Arcade St by the Lake Phalen Golf Course when I noticed a State Farm sign at Josephine's Interiors buikding. I decided to stop in to the Jody Baber agency the other day to check out my current auto rates with Progressive to what State Farm had to offer. I was pleasantly surprised to be surrounded by a staff full of knowledge. This was a huge change from always getting a different person on the phone that never seemed to know my situation. While I was there the agent I was working with named Dan offered to complete a full insurance review. The process only took about 45 minutes and was probably the best 45 mins I have spent in a long time. If you are like me I had no clue what all the insurance I currently had even meant to me. By the end of the whole thing I learned State Farm had a bank, offered life insurance, and can handle all of my auto and home insurance all in the same office. I walked away with not only a better understanding of the industry, but he was also able to shave off 2 years on my auto loan, set me up with a comprehensive health insurance plan, lowered my auto premium by 40%, started a 50k life insurance policy, and included a renters insurance policy I needed but couldnt afford. This place is awesome! He did all this for less than what I was paying before except with 5 times the insurance I had previously. I kick myself now for not doing this sooner. What gets me is how long I must have been over paying at Progressive, uuurrrgggghh!!!! I would definately reccomend this agency to any of my friends and family. Thank you Dan, and all the wonderful staff at Jody's office in St Paul. This has to be the Eastside's number one insurance agency!