Do you want to learn how to find more affordable insurance rates in Paradise, CA? Are you a victim of an overpriced insurance policy? Say no more because many consumers are feeling buyer's remorse and feel like there's no way out.

Unfortunately, most insurance customers have stayed with the same insurance company for more than four years, and 38% of customers have never compared insurance rates at all. Many consumers in California could save themselves nearly 35% a year by just comparing rate quotes, but they just don't understand how easy it is to save money by comparing rate quotes.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with fancy advertisements and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

The are a couple different ways to get quotes from different Paradise insurance companies. The best way to find the cheapest insurance rates involves getting comparison quotes online.

Getting free rates online is quite simple, and it takes the place of having to spend time driving to insurance agencies in your area. The internet makes this process obsolete unless you have a need for the trained guidance that you can only get from talking to an agent. You can, however, get prices online and still use a local Paradise agent. Keep in mind that comparing more quotes will enable you to find better pricing. Some smaller insurers do not give quotes online, so it's recommended that you also compare quotes from those companies as well.

The companies in the list below offer price comparisons in California. To find the best cheap car insurance in California, we recommend you click on several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Paradise
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,570 $785 $131
Chevrolet Silverado LS Regular Cab 4WD $952 $476 $79
Dodge Grand Caravan CV $992 $496 $83
Dodge Ram Quad Cab Laramie 2WD $1,602 $801 $134
Ford Edge SEL AWD $1,460 $730 $122
Ford Escape XLS 2WD $1,328 $664 $111
Ford F-150 STX Super Cab 2WD $1,280 $640 $107
Ford Focus S 4-Dr Sedan $1,264 $632 $105
Honda Accord LX-P 4-Dr Sedan $1,118 $559 $93
Honda CR-V EX 2WD $1,174 $587 $98
Honda Civic GX 4-Dr Sedan $1,158 $579 $97
Hyundai Elantra SE 4-Dr Sedan $1,236 $618 $103
Hyundai Sonata Limited 4-Dr Sedan $1,978 $989 $165
Jeep Grand Cherokee Laredo 2WD $1,458 $729 $122
Nissan Altima 2.5 S 4-Dr Sedan $1,424 $712 $119
Toyota Camry XLE $1,388 $694 $116
Toyota Corolla S $1,454 $727 $121
Toyota Tacoma X-Runner 2WD $1,482 $741 $124
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can increase or decrease price quotes substantially.

Full coverage rates compared to liability only

The chart below visualizes the comparison of Chevrolet Tahoe insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no claims or violations, $250 deductibles, single female driver, and no policy discounts are applied.

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

Guidelines for dropping full coverage

There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Chevrolet Tahoe book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after the deductible is paid. If you are paying more than $400 a year to have full coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not in your best interest. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Verify you're applying every discount

The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you get a quote, but occasionally some discounts must be asked about in order for you to get them. If you do not check that you are getting every discount possible, you could be paying more than you need to.Cheaper insurance with discounts

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it's possible to get free car insurance, it's just not the way it works.

Larger insurance companies and a summarized list of policyholder discounts can be found below.

Check with every prospective company which discounts can lower your rates. Discounts may not be available in Paradise. To choose insurance companies that offer discounts in California, click here.

Lower Paradise auto insurance rates

Many things are taken into consideration when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent such as whether you are married or your commute time.

When should I discuss my situation with an agent?

Always keep in mind that when comparing your policy, there isn't really a one-size-fits-all type of policy. Your financial needs are unique so this has to be addressed.Safe vehicles cost less to insure Here are some questions about coverages that could help you determine if you would benefit from an agent's advice.

If it's difficult to answer those questions, then you may want to think about talking 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

Does insurance advertising bend the truth?

Big name companies like GEICO, State Farm and Progressive seem to constantly run television, radio, and online ads. All the ads try to convey promises about savings just by switching to their company. How is it possible that every company can cost less than your current company? Here is the trick they use.

All the different companies give the cheapest rates for the type of driver that makes them money. For example, a profitable customer may need to be over the age of 40, has no tickets, and drives newer vehicles. Someone that meets those criteria will get very good Paradise car insurance rates and therefore will save when they switch companies.

Insureds who don't meet the "perfect" profile will probably have to pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone who quotes" save that much when switching. That's the way companies can make claims that they all have the best premium rates.

This emphasizes why you really should compare rate quotes every year. It is impossible to predict which insurance companies will be your best fit.

One last thing about your coverage

Some insurance providers may not offer internet price quotes and these smaller companies sell through independent agents. Cheaper insurance in Paradise is attainable online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn't purchase enough coverage. The goal is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

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