Want to learn how to buy the cheapest car insurance rates in East Palo Alto, CA? Pretty sure you bought high-priced car insurance? Say no more because you're not the only one.

Shockingly, nearly 70% of consumers have stayed with the same insurance company for four years or more, and almost half have never even compared rates from other companies. Most drivers in California could save themselves roughly $500 a year just by comparing rates, but they don't want to take the time to compare rate quotes online.

Companies like GEICO and Progressive increase brand awareness with advertising and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you are insured now, you stand a good chance to be able to cut your premiums using the techniques presented in this article. Choosing the best rates in East Palo Alto can be made easier if you know where to look. But California drivers do need to know how the larger insurance companies sell insurance online and apply this information to your search.

The majority of larger companies allow you to get pricing direct online. Obtaining pricing is pretty painless as you simply enter your coverage information on the page. When complete, their system obtains your driving and credit reports and generates a price. This simplifies rate comparisons, and it's necessary to get many rate quotes if you want to get cheaper insurance pricing.

To compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy coverages and limits as close as possible to your current policy. This way, you will receive an apples-to-apples comparison for similar insurance coverage.

The following companies have been selected to offer quotes in East Palo Alto, CA. If you wish to find the cheapest car insurance in California, we suggest you visit as many as you can in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in East Palo Alto
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,264 $632 $105
Chevrolet Impala LS $1,848 $924 $154
Chevrolet Silverado LT Extended Cab 4WD $1,570 $785 $131
Dodge Ram Quad Cab ST 4WD $1,410 $705 $118
Ford Escape XLS 2WD $1,028 $514 $86
Ford F-150 FX2 Super Cab 2WD $1,324 $662 $110
Ford Focus SES 2-Dr Coupe $1,388 $694 $116
Ford Fusion Sport 4-Dr Sedan $1,102 $551 $92
GMC Sierra SLT Extended Cab 4WD $1,676 $838 $140
Honda Accord LX-P 4-Dr Sedan $992 $496 $83
Honda CR-V LX 2WD $1,178 $589 $98
Honda Civic VP 4-Dr Sedan $1,278 $639 $107
Jeep Grand Cherokee Limited 2WD $1,484 $742 $124
Kia Optima LX $1,222 $611 $102
Nissan Altima Hybrid 4-Dr Sedan $1,486 $743 $124
Toyota Camry LE $1,216 $608 $101
Toyota Corolla XLE $1,874 $937 $156
Toyota Tacoma Double Cab 4WD $1,566 $783 $131
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates substantially.

East Palo Alto insurance costs by gender and age

The example below shows the comparison of insurance costs for male and female drivers in East Palo Alto. The data is based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in on a Chevrolet Malibu Hybrid.

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

Deductible analysis

The illustration below highlights how deductible selection and can influence Kia Optima premium costs for each age group. The price estimates are based on a single female driver, comp and collision included, and no discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Higher deductibles lower rates

A question often asked by East Palo Alto drivers is the level to set your comp and collision deductibles. The comparison tables below sum up the cost difference between high and low insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Accord insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Get a Quote for Your Vehicle Go
Honda Accord insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific East Palo Alto garaging location which can impact coverage rates significantly.

Based on the above data, using a $250 deductible costs roughly $16 more each month or $192 for a full year than buying the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claims, you would more than likely save some money if you choose the higher deductible.

Cheap East Palo Alto auto insurance rates with discounts

Auto insurance is not inexpensive, but discounts can save money and there are some available to help offset the cost. Certain credits will be shown at the time of purchase, but some must be asked about before you will receive the discount.Save money with discounts

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and the discounts they provide can be found below.

Before buying, ask each insurance company which discounts you may be entitled to. Some credits may not apply in East Palo Alto. To choose insurance companies who offer auto insurance discounts in East Palo Alto, click here.

Get lower-cost car insurance with these tips

Many factors are used in the calculation when premium rates are determined. Most are fairly basic like an MVR report, but some are more obscure like where you live or your commute time. Part of the car insurance buying process is learning the factors that go into determining your premiums. If you know what influences your rates, this helps enable you to make changes that will entitle you to better car insurance rates.

Do I need an insurance agent?

Many people still prefer to have an agent's advice and that is OK! The best thing about getting free rate quotes online is that you can obtain cheap insurance quotes and also buy local.

East Palo Alto insurance agentsOnce you complete this simple form, your insurance data is transmitted to agents in your area who will give you bids for your insurance coverage. There is no need to search for an agent since price quotes are sent to you directly. You'll get the best rates without the usual hassles of price shopping. If for some reason you want to compare prices from a specific company, you just need to search and find their rate quote page and give them your coverage information.

Picking the best company requires more thought than just a cheap quote. Any agent in East Palo Alto should be forthright in answering these questions:

Upon receiving answers to your satisfaction to any questions you have and cheap East Palo Alto car insurance quotes, it's possible that you found an insurance company that can be trusted to insure your vehicles.

Slick advertising tricks that work

Well-known auto insurance companies like 21st Century, Allstate and State Farm endlessly run television and radio advertisements. They all convey the message about how much you will save if you get a free East Palo Alto car insurance quote and switch your coverage. How does every company charge you less for car insurance? Here is the trick they use.

Auto insurance companies have specific characteristics for the type of customer that earns them the most money. One example of a desirable risk might have to be between 30 and 50, owns their home, and drives less than 5,000 miles a year. Any customer who matches those parameters will probably get cheap prices and have a good chance to save some money.

Potential customers who do not match the "perfect" profile will get higher prices and this can result in business going elsewhere. The trick companies use is to say "people who switch" not "everyone who quotes" can save as much as they claim. That's the way companies can truthfully advertise the way they do. Because each company has a different risk profile, drivers must get price quotes at each policy renewal. Because you never know which insurance companies will have the lowest auto insurance in East Palo Alto.

In Summary

When buying insurance coverage, don't be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best price, but don't skip important coverages to save money.

Budget-conscious insurance can be purchased on the web and also from your neighborhood East Palo Alto agents, so get free East Palo Alto car insurance quotes from both of them to get a complete price analysis. Some insurance providers may not provide price quotes online and usually these smaller companies sell through local independent agents.

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