Having to pay for overpriced insurance in South San Francisco can sap your funds and possibly require postponing other expenditures. Comparison shopping can save money and help to ensure you are getting the best deal.

A recent survey discovered that over 70% of California drivers kept their policy with the same company for a minimum of four years, and practically 40% of insurance customers have never even shopped around for affordable coverage. American insurance shoppers can save almost 46.5% each year, but they won't spend time to find affordable rates by getting comparison quotes. Numerous insurers battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate on insurance.

Components of your auto insurance premiums

Many factors are taken into consideration when premium rates are determined. Most are fairly basic like an MVR report, although others are not as apparent like where you live or your vehicle rating.

The companies shown below are our best choices to provide free rate quotes in South San Francisco, CA. To buy the best cheap auto insurance in California, it's a good idea that you visit two to three different companies to find the lowest car insurance rates.

Insurance Estimates for Popular Vehicles in South San Francisco
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,102 $551 $92
Chevrolet Impala LS $1,366 $683 $114
Chevrolet Silverado LS Regular Cab 4WD $1,066 $533 $89
Dodge Ram Quad Cab Sport 4WD $1,574 $787 $131
Ford Escape Limited 2WD $1,208 $604 $101
Ford F-150 XLT Regular Cab 4WD $1,462 $731 $122
Ford Focus SE 2-Dr Coupe $1,486 $743 $124
Ford Fusion S 4-Dr Sedan $1,166 $583 $97
GMC Sierra SLE Crew Cab 2WD $1,484 $742 $124
Honda Accord EX-L 2-Dr Coupe $2,006 $1,003 $167
Honda CR-V EX-L 2WD $1,190 $595 $99
Honda Civic LX 2-Dr Coupe $1,428 $714 $119
Hyundai Elantra Blue 4-Dr Sedan $1,512 $756 $126
Nissan Altima 3.5 SR 4-Dr Sedan $1,422 $711 $119
Toyota Camry XLE $1,464 $732 $122
Toyota Corolla XLE $1,626 $813 $136
Toyota Tacoma X-Runner 2WD $1,302 $651 $109
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in South San Francisco location which can decrease or increase premium rates noticeably.

Auto insurance deductibles

The information below illustrates how your choice of deductibles and can influence Nissan Altima annual premium costs for different ages of insureds. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Where to set your deductibles

One frequently asked question is which deductibles should you choose. The following insurance rates illustrate how much more you'll pay of buying low and high insurance deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Tahoe insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $342 $576 $442 $26 $132 $1,543 $129
Tahoe LS 4WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LT 2WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LT 4WD $386 $576 $442 $26 $132 $1,587 $132
Tahoe LTZ 2WD $386 $678 $442 $26 $132 $1,689 $141
Tahoe LTZ 4WD $386 $678 $442 $26 $132 $1,689 $141
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Chevrolet Tahoe insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $278 $464 $442 $26 $132 $1,342 $112
Tahoe LS 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 2WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Tahoe LTZ 4WD $314 $546 $442 $26 $132 $1,460 $122
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can alter coverage prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $18 more each month or $216 each year than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 14 months between claims, you would come out ahead by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $135
Average monthly premium for $500 deductibles (subtract): - $117
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that a higher deductible means you will have to pay more of your own money at claim time. You must have a higher level of savings in order to pay the higher deductible in order to repair your vehicle.

Annual premiums comparing men and women in South San Francisco

The chart below shows the difference between insurance premiums for male and female drivers in South San Francisco. The data assumes no violations or accidents, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied on a Ford Focus SE.

Ford Focus rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Here's why car insurance is not optional

Despite the high cost, maintaining insurance is required in California but also provides important benefits.

The benefits of insuring your vehicle definitely exceed the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $810 a year so compare rates at every renewal to ensure rates are inline.

Determine discounts on South San Francisco car insurance

Insurance can cost an arm and a leg, but companies offer discounts that can help lower your rates. Some trigger automatically when you complete an application, but a few must be asked for prior to getting the savings.Car insurance discounts

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn't stay in business. Any qualifying discounts will definitely reduce your overall premium however.

The best car insurance companies and some of their more popular discounts are outlined below.

Check with every company which discounts can lower your rates. A few discounts may not be available everywhere. If you would like to view insurers who offer car insurance discounts in South San Francisco, click here to view.

Tailor your auto insurance coverage to you

When it comes to the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else's.Higher deductibles save money

These are some specific questions may help you determine whether your personal situation might need professional guidance.

If you can't answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Smart consumers save more

We just presented a lot of tips how to shop for auto insurance online. The most important thing to understand is the more you quote South San Francisco auto insurance, the better chance you'll have of finding affordable South San Francisco auto insurance quotes. You may even discover the best rates are with a small local company.

As you quote South San Francisco auto insurance, it's a bad idea to buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to regret that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Budget-conscious auto insurance is definitely available online in addition to many South San Francisco insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies don't offer rate quotes online and many times these regional insurance providers sell through local independent agencies.

More detailed auto insurance information is located at these sites: