Want to learn how to save money and find lower-priced car insurance rates in Morgan Hill, CA? Feel like you're a prisoner to an overpriced car insurance policy? Don't feel bad because there are a lot of people in Morgan Hill just like you who feel imprisoned by their car insurance policy.
Sad but true, the vast majority of drivers have purchased from the same company for a minimum of four years, and just under half have never compared rates with other companies. Drivers in the United States could pocket almost $860 a year by just comparing rate quotes, but they assume it's a waste of time to compare rates.
Companies like Progressive, State Farm and GEICO constantly blast consumers with ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
Consumers need to do rate comparisons before your policy renews due to the fact that insurance prices change regularly. Even if you got the lowest rates on car insurance at your last renewal you will most likely find a better premium rate today. You can search a lot of car insurance out there, but in just a couple of minutes you can learn some solid techniques on how to find affordable car insurance in Morgan Hill.
If you are paying for car insurance now, you stand a good chance to be able to buy cheaper car insurance using these techniques. Locating the best rates in Morgan Hill can be much easier if you know how to start. Nevertheless, California consumers must comprehend the way insurance companies price online insurance because it varies considerably.
Lower-cost Morgan Hill insurance rates with discounts
Companies offering auto insurance do not advertise all their discounts very clearly, so we took the time to find some of the best known as well as the least known credits that you can use to lower your rates. If you check and find you aren't receiving every discount you deserve, you are paying more than you should be.
- Passive Restraint Discount - Factory air bags could see savings of up to 25% or more.
- Use Seat Belts - Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Discount for Swiching Early - Select insurance companies give a discount for signing up before your current policy expires. It can save you around 10%.
- Safety Course Discount - Successfully completing a class that teaches defensive driver techniques is a good idea and can lower rates if you qualify.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, company stockholders wouldn't be very happy. But any discount will definitely lower your policy premiums.
Popular insurance companies and their possible discounts can be read below.
- State Farm has savings for good student, passive restraint, Drive Safe & Save, accident-free, and safe vehicle.
- Progressive offers discounts including good student, continuous coverage, online quote discount, online signing, multi-policy, multi-vehicle, and homeowner.
- Progressive policyholders can earn discounts including online signing, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- MetLife discounts include accident-free, claim-free, defensive driver, good driver, multi-policy, good student
- Farm Bureau offers premium reductions for 55 and retired, youthful driver, multi-vehicle, good student, multi-policy, safe driver, and driver training.
- GEICO may include discounts for anti-lock brakes, military active duty, emergency military deployment, seat belt use, federal employee, five-year accident-free, and good student.
- SAFECO has discounts for accident prevention training, homeowner, drive less, anti-theft, safe driver, and bundle discounts.
Before buying, ask each company or agent how you can save money. Discounts might not be offered on policies in every state. To locate providers with discount insurance rates in California, click here.
Buy Morgan Hill car insurance online
The majority of larger companies such as State Farm, Allstate and GEICO provide prices online. Doing online quotes can be done by anyone as you just enter your coverage information into a form. Once entered, their quoting system automatically retrieves your driving and credit reports and provides a quote. This simplifies rate comparisons, and it is imperative to compare as many rates as possible in order to get the cheapest price.
To get comparison pricing now, compare quotes from the companies shown below. If you have a policy now, it's recommended you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison using the exact same coverages.
The companies shown below provide price quotes in Morgan Hill, CA. To find the best cheap car insurance in California, it's highly recommended you visit two to three different companies to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$1,146||$573||$96|
|Chevrolet Equinox LTZ 2WD||$1,710||$855||$143|
|Chevrolet Silverado LT Extended Cab 4WD||$1,048||$524||$87|
|Dodge Ram Crew Cab TRX 2WD||$1,276||$638||$106|
|Ford Edge Sport 2WD||$1,672||$836||$139|
|Ford Escape XLT 4WD||$1,326||$663||$111|
|Ford F-150 STX Super Cab 4WD||$1,426||$713||$119|
|Ford Focus SES 2-Dr Coupe||$1,896||$948||$158|
|Honda Accord LX-S 2-Dr Coupe||$1,896||$948||$158|
|Honda CR-V EX 2WD||$990||$495||$83|
|Honda Civic Hybrid 4-Dr Sedan||$1,452||$726||$121|
|Kia Optima EX||$2,006||$1,003||$167|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,452||$726||$121|
|Nissan Rogue S 2WD||$1,442||$721||$120|
|Toyota Camry LE||$1,166||$583||$97|
|Toyota Corolla XLE||$1,416||$708||$118|
|Toyota Tacoma Double Cab 4WD||$1,688||$844||$141|
|Volkswagen Jetta S 2.5 Station Wagon||$1,246||$623||$104|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can change coverage prices substantially.
Male drivers versus female drivers
The information below illustrates the comparison of premium costs for male and female drivers in Morgan Hill. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied on a Toyota Camry LE.
Toyota Camry rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Informed drivers save more
An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. If you know what impacts premium levels, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Additional coverages that may be costing you - There are a ton of add-on coverages that you can buy if you aren't careful. Coverages like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. They may seem good when buying your policy, but now you might not need them so get rid of them and save.
Claim-free discounts can add up - If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Companies in California provide most affordable rates to policyholders who file claims infrequently. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
Certain vocations raise premiums - Do you work in a high-stress field? Careers like military generals, executives and medical professionals have higher premium rates in part from intense work requirements and incredibly demanding work hours. On the flip side, occupations such as professors, historians and performers pay the least.
High performance equals high prices - The make and model of the car, truck or SUV you need to insure makes a huge difference in your car insurance bill. The best insurance prices tend to be for lower cost passenger vehicles, but there are many factors that impact the final cost.
Never allow your policy to lapse - Allowing your car insurance policy to lapse will be a sure-fire way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with the California motor vehicle department.
Males pay more for auto insurance - Statistics have proven that females take fewer risks when driving. However, this does not mean females are better drivers. Both sexes have fender benders at about the same rate, but the male of the species get into accidents with more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.
Save money by raising comp and collision deductibles - Your deductibles state the amount of money you are willing to pay before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the less your car insurance will be.
When should I discuss my situation with an agent?
When selecting coverage online or from an agent, there isn't really a single plan that fits everyone. Your needs are unique to you and a cookie cutter policy won't apply. Here are some questions about coverages that might help in determining if your situation could use an agent's help.
- Are there companies who specialize in insuring high-risk drivers?
- Am I covered when pulling a rental trailer?
- At what point should I drop full coverage?
- Are rock chip repairs covered?
- Is my teenager covered with friends in the car?
- When do I need to add a new car to my policy?
- What if I owe more than I can insure my car for?
- Do I need PIP (personal injury protection) coverage in California?
If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier
Can't I compare prices from local Morgan Hill insurance agents?
Certain consumers would rather buy from a licensed agent and often times that is recommended An additional benefit of comparing rate quotes online is that drivers can save money and get better rates but still work with a licensed agent. And providing support for neighborhood insurance agencies is important particularly in Morgan Hill.
Once you complete this short form, your insurance coverage information is instantly submitted to agents in your area that give free quotes for your car insurance coverage. You don't have to contact any insurance agencies because quoted prices will be sent to the email address you provide. Get lower rates and a licensed agent to work with. In the event you want to get a price quote for a specific company, feel free to search and find their rate quote page to submit a rate quote request.
Multiple types of car insurance agents in Morgan Hill
When finding a reputable agency, it's important to understand the different types of agents and how they can service your needs differently. Car insurance agents may be either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
These agents are normally appointed by many insurers so they can insure your vehicles through many different car insurance companies and find you the best rates. If your agent finds better pricing, your agent can just switch to a different company and the insured can keep the same agent.
When shopping rates, you will definitely want to get several quotes from several independent agencies in order to have the best price comparison.
Agents in the exclusive channel generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. They are very knowledgeable on what they offer which helps them sell on service rather than price.
Picking the best insurance agency requires you to look at more than just a cheap price quote. Ask your prospective agent these questions:
- How much can you save by raising your physical damage deductibles?
- Are they paid to recommend certain coverages?
- Is assistance available after office hours?
- How are claims handled?
- Will you get a loaner vehicle if you car is being repaired?
- Are you getting all the discounts the company offers?
- Is the coverage adequate for your vehicle?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
If you feel you receive good responses to all your questions as well as an affordable premium quote, you have narrowed it down to an insurance agent that is reliable enough to insure your vehicles. Just keep in mind you can cancel your policy whenever you choose to so don't think you are locked into your new company for the full term.
Car insurance is not optional in California
Despite the high insurance cost in Morgan Hill, buying car insurance serves several important purposes.
First, most states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's guaranteed your bank will make it mandatory that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is cancelled, the bank may buy a policy for your vehicle at a more expensive rate and require you to pay the higher price.
Third, car insurance protects both your vehicle and your personal assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. But the average driver in California is overpaying over $750 every year so you should quote and compare rates once a year at a minimum to save money.
Compare but don't skimp
As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
More affordable car insurance in Morgan Hill can be sourced on the web and from local agencies, and you should be comparing both in order to have the best chance of saving money. A few companies may not offer internet price quotes and usually these regional carriers only sell through independent agents.
Throughout this article, we presented a lot of ways to reduce car insurance auto insurance rates online in Morgan Hill. It's most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn't do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.
To read more, feel free to browse these articles:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has the Cheapest California Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has Affordable California Car Insurance Rates for Drivers Over Age 60? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in California? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Vehicle Safety Ratings (iihs.org)
- Understanding Limits and Deductibles (Allstate)