Do you need a better way to compare more competitive auto insurance rates in Windsor, CA? Locating discount quotes on the internet is problematic for vehicle owners new to quoting and comparing rates over the internet. With such a large choice of insurance companies available, how are we expected to have the ability to compare them all to find the cheapest price possible?
A recent survey discovered that nearly 70% of drivers have stayed with the same insurance company for well over three years, and 38% of drivers have never even shopped around for lower-cost coverage. Many consumers in California could save about $470 a year, but they don't want to spend time to compare other rate quotes.
You should take the time to do price comparisons quite often because prices change regularly. Even if you think you had the lowest rates on auto insurance a couple years back there may be better deals available now. There are lots of tips to save on auto insurance on the web, but in just a couple of minutes you can learn some great ideas on how to buy auto insurance cheaper in Windsor.
If you're already insured, you should be able to get lower rates using the ideas presented in this article. Quoting and buying the cheapest policy in Windsor can be fairly easy. But California consumers need to have an understanding of the way insurance companies calculate their prices and apply this information to your search.
When shopping for car insurance there are multiple ways of comparing rates from companies that offer car insurance in California. The fastest way to find affordable insurance rates is to perform an online rate comparison.
Keep in mind that more quotes helps locate better pricing.
The auto insurance companies shown below can provide free quotes in California. If you wish to find the cheapest car insurance in California, we suggest you click on several of them in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,258||$629||$105|
|Chevrolet Impala LS||$1,292||$646||$108|
|Chevrolet Malibu LTZ||$1,710||$855||$143|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$2,044||$1,022||$170|
|Dodge Grand Caravan CV||$1,414||$707||$118|
|Dodge Ram Quad Cab SLT 2WD||$1,710||$855||$143|
|Ford Edge SE AWD||$1,648||$824||$137|
|Ford Escape XLT 2WD||$868||$434||$72|
|Ford F-150 XLT Regular Cab 4WD||$1,362||$681||$114|
|Ford Focus SE 2-Dr Coupe||$1,314||$657||$110|
|Ford Fusion S 4-Dr Sedan||$1,752||$876||$146|
|Honda Accord LX-S 2-Dr Coupe||$1,312||$656||$109|
|Honda CR-V EX 2WD||$1,134||$567||$95|
|Honda Civic SI 4-Dr Sedan||$1,646||$823||$137|
|Honda Odyssey EX-L W/Rear Entertainment||$1,620||$810||$135|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,416||$708||$118|
|Toyota Camry XLE||$1,588||$794||$132|
|Toyota Corolla XRS||$1,486||$743||$124|
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in specific zip code location which can revise price quotes substantially.
One of the most common car insurance questions is the level to set your comp and collision deductibles. The following insurance rates approximate the premium difference when you choose different physical damage coverage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$342||$576||$442||$26||$132||$1,543||$129|
|Altima 2.5 S 4-Dr Sedan||$342||$678||$442||$26||$132||$1,645||$137|
|Altima Hybrid 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Altima 2.5 S 2-Dr Coupe||$386||$678||$500||$30||$150||$1,769||$147|
|Altima 3.5 SR 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Altima 3.5 SR 2-Dr Coupe||$386||$780||$500||$30||$150||$1,871||$156|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$278||$464||$442||$26||$132||$1,342||$112|
|Altima 2.5 S 4-Dr Sedan||$278||$546||$442||$26||$132||$1,424||$119|
|Altima Hybrid 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|Altima 2.5 S 2-Dr Coupe||$314||$546||$500||$30||$150||$1,540||$128|
|Altima 3.5 SR 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|Altima 3.5 SR 2-Dr Coupe||$314||$630||$500||$30||$150||$1,624||$135|
|Get a Quote for Your Vehicle Go|
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence coverage prices substantially.
We can derive from the above data that using a $250 deductible will cost you approximately $19 more each month or $228 each year than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claims, you would more than likely save some money by going with a higher deductible.
Calculate deductible break even point
|Average monthly premium for $250 deductibles:||$142|
|Average monthly premium for $500 deductibles (subtract):||- $123|
|Monthly savings from raising deductible:||$19|
|Difference between deductibles ($500 - $250):||$250|
|Divide difference by monthly savings:||$250 / $19|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||13 months|
One thing to note is that increasing deductibles to save money results in a higher out-of-pocket expense if you have a claim. You need to have some extra funds in order to pay the deductible for vehicle repair.
Raise deductibles and save
The information below demonstrates how deductibles and can increase or decrease Dodge Ram premium costs for different age categories. The price estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Cheaper rates by getting discounts
Companies that sell car insurance do not advertise their entire list of discounts in a way that's easy to find, so we researched some of the more common as well as some of the hidden discounts that may be available. If you do not double check each discount possible, you could be getting lower rates.
- New Car Discount - Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- No Accidents - Windsor drivers who stay claim-free pay much less in comparison with frequent claim filers.
- Online Discount - Many auto insurance companies may give you up to $50 for buying your policy digitally online.
- Senior Citizens - Drivers that qualify as senior citizens can get a discount up to 10%.
- Switch and Save Discount - Select insurance companies give a discount for signing up early. This discount can save up to 10%.
- Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Driver Training Discounts - Taking part in a class that teaches defensive driver techniques can save you 5% or more and make you a better driver.
- Distant College Student Discount - Any of your kids who live away from home to go to college and don't have a car can be insured at a reduced rate.
Don't be shocked that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though you would think adding up those discounts means a free policy, that's just not realistic.
A few of the larger companies and some of the discounts can be read below.
- State Farm offers discounts including accident-free, safe vehicle, anti-theft, driver's education, multiple policy, and multiple autos.
- Esurance has savings for online quote, online shopper, Switch & Save, anti-theft, defensive driver, and emergency road assistance.
- Progressive offers discounts for online signing, multi-policy, continuous coverage, multi-vehicle, and good student.
- Liberty Mutual discounts include exclusive group savings, preferred payment discount, new move discount, hybrid vehicle, and new vehicle discount.
- Auto-Owners Insurance policyholders can earn discounts including air bags, group or association, anti-theft, safe vehicle, and paperless.
- GEICO may have discounts that include air bags, driver training, daytime running lights, multi-vehicle, anti-theft, and defensive driver.
If you need low cost Windsor car insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts may not apply in Windsor. To locate auto insurance companies with the best discounts in Windsor, follow this link.
Learn how to lower your insurance prices
One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that go into determining the price you pay for insurance. When you understand what controls the rates you pay, this enables informed choices that can earn you lower premium levels.
Pay more for higher performance vehicles - The performance of the car or truck you need to insure makes a significant difference in determining your rates. The most favorable rates are usually for small economy passenger cars, but other factors influence the final cost greatly.
How many miles do you drive? - The more miles you rack up on your car annually the higher your rates will be. Many insurance companies apply a rate determined by how the vehicle is used. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Double check that your insurance coverage properly reflects the correct driver usage.
Rates for guys may be higher - The statistics show that men are more aggressive behind the wheel. This data doesn't prove that men are WORSE drivers than women. Women and men are responsible for auto accidents in similar numbers, but men cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
High credit scores equal low premiums - An insured's credit rating is a big factor in determining what you pay for insurance. If your credit rating can use some improvement, you could pay less to insure your vehicle by taking the time to improve your credit score. Consumers who have high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit ratings.
Vehicle features impact prices - Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft.
Teenagers are high risk - Older drivers tend to be more responsible, tend to file fewer claims, and get fewer tickets.Beginning drivers are proven to be easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher.
Pay more if you have a long commute - Living in less populated areas is a good thing when shopping for auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer people means fewer accidents in addition to fewer liability claims.
High coverage deductibles reduce costs - Coverage for physical damage, aka comp and collision, covers your vehicle from damage. A few examples of covered claims could be a dented fender, hitting a deer, and burglary. Deductibles for physical damage define how much you are required to pay if you file a covered claim. The more of the claim you choose to pay out-of-pocket, the less your insurance will be.
Find cheap rates by being thorough
We just presented a lot of information how to lower your insurance prices in Windsor. It's most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive Windsor car insurance quotes. Consumers may even find the best prices are with the smaller companies.
Drivers leave their current company for many reasons like unfair underwriting practices, questionable increases in premium, not issuing a premium refund or even delays in paying claims. It doesn't matter why you want to switch finding a new company is less work than it seems.
When searching for cheap Windsor car insurance quotes, don't be tempted to reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price and still be able to protect your assets.
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- How Much is Auto Insurance for a Honda Civic in California? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in California? (FAQ)
- Who Has Affordable Car Insurance Rates for Felons in California? (FAQ)
- Which Company has the Cheapest Auto Insurance in Modesto, CA? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Older Drivers FAQ (iihs.org)
- Auto Theft Statistics (Insurance Information Institute)