Are you tired of overpaying and want cheaper auto insurance rates in Roseville, CA? There isn't a single person who rejoices having to buy auto insurance, especially when they are aware that their premiums are through the roof.

Shocking but true, the vast majority of drivers have purchased from the same company for at least four years, and almost 40% of drivers have never compared rates to find lower-cost insurance. American insurance shoppers can cut their rates by nearly 46.5% a year just by shopping around, but they don't know the rate savings if they switched to a cheaper policy.

Vehicle owners have multiple insurance companies to choose from, and although it's nice to have multiple companies, having more car insurance companies makes it harder to find the lowest cost provider.

You should take the time to shop coverage around at least once a year because prices go up and down regularly. Even if you got the lowest rate on auto insurance at your last renewal a different company probably has better premium rates today. Forget all the misinformation about auto insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

The fastest way that we advise to compare policy rates utilizes the fact most of the larger companies have advanced systems to provide you with a free rate quote. All you need to do is give them some information like the year, make and model of vehicles, what you do for a living, whether you drive to work or school, and distance driven. Your insurance information is instantly sent to all major companies and you will get price comparisons instantly to find the best rate.

To compare rates for your car now, click here and complete the form.

The companies shown below offer free rate quotes in California. In order to find the best cheap car insurance in California, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Roseville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,260 $630 $105
Chevrolet Silverado LS Extended Cab 4WD $1,566 $783 $131
Dodge Grand Caravan Crew $1,604 $802 $134
Dodge Ram Crew Cab TRX 4WD $1,372 $686 $114
Ford Edge SE AWD $1,306 $653 $109
Ford Escape XLT 2WD $1,124 $562 $94
Ford F-150 FX4 4WD $1,330 $665 $111
Ford Focus SES 4-Dr Sedan $1,590 $795 $133
Honda Accord EX-L 2-Dr Coupe $1,672 $836 $139
Honda CR-V EX 4WD $1,016 $508 $85
Honda Civic EX-L 2-Dr Coupe $1,652 $826 $138
Hyundai Sonata SE 4-Dr Sedan $1,178 $589 $98
Jeep Grand Cherokee Limited 4WD $1,698 $849 $142
Kia Optima SX $1,410 $705 $118
Nissan Altima 2.5 4-Dr Sedan $1,490 $745 $124
Toyota Camry SE $1,404 $702 $117
Toyota Corolla XRS $1,884 $942 $157
Toyota Prius $1,656 $828 $138
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in Roseville location which can lower or raise auto insurance rates noticeably.

Should you raise deductibles?

The example below highlights how deductible choice and can impact Nissan Sentra premium costs for different ages of insureds. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

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

Analysis of deductible levels

A question often asked by Roseville drivers is how high or low should comp and collision deductibles be. The data tables below approximate the rate differences of buying low and high policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $342 $576 $442 $26 $132 $1,543 $129
Camry SE $342 $678 $442 $26 $132 $1,645 $137
Camry XLE $342 $678 $442 $26 $132 $1,645 $137
Camry Hybrid $386 $678 $500 $30 $150 $1,769 $147
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Toyota Camry insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $278 $464 $442 $26 $132 $1,342 $112
Camry SE $278 $546 $442 $26 $132 $1,424 $119
Camry XLE $278 $546 $442 $26 $132 $1,424 $119
Camry Hybrid $314 $546 $500 $30 $150 $1,540 $128
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in Roseville location which can decrease or increase auto insurance rates considerably.

We can derive from the above data that using a $250 deductible will cost you about $18 more each month or $216 a year than requesting 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 normally go more than 14 months between claim filings, you would most likely save money if you choose the higher deductible.

Car insurance premiums by gender

The information below shows the difference between yearly insurance costs for male and female drivers in Roseville. The costs are based on no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied on a Honda Accord EX.

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

When should I contact an agent?

Many people prefer to talk to a local agent and that is a personal choice. The best thing about getting free rate quotes online is that you can obtain the lowest rates and still choose a local agent. Supporting local agents is important especially in Roseville.

Find insurance agent in RosevilleTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is immediately sent to companies in Roseville who will give competitive quotes for your insurance coverage. You won't even need to contact any agents because quoted prices will be sent directly to your email. Get lower rates and an insurance agent to talk to. If you need to quote rates from a particular provider, you would need to visit that company's website and fill out the quote form the provide.

Deciding on an provider should include more criteria than just the quoted price. Below are some questions you should ask.