Buying insurance online may seem complicated initially if you are like the majority of consumers and have never used quoting online. Don't let that stop you because finding cheaper prices is actually fairly simple.

Sadly, a large majority of insurance policyholders kept their coverage with the same insurance company for at least four years, and approximately 38% of consumers have never taken the time to shop around. Most drivers in California could save an average of approximately 35% each year, but most just don't grasp the amount of money they would save if they bought a different policy.

Our goal in writing this article familiarize you with how to compare rates easily. If you currently have auto insurance, you will definitely be able to find better prices using these techniques. But California car owners must comprehend the methods companies use to price insurance differently and use it to find better rates.

Auto insurance companies in Coronado

The following companies are our best choices to provide free rate quotes in California. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Coronado
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,348 $674 $112
Chevrolet Silverado LS Crew Cab 4WD $1,302 $651 $109
Dodge Ram Quad Cab ST 2WD $1,426 $713 $119
Ford Edge Sport 2WD $1,302 $651 $109
Ford Escape Limited 4WD $1,452 $726 $121
Ford F-150 FX2 Super Cab 2WD $1,242 $621 $104
Ford Focus SES 4-Dr Sedan $1,210 $605 $101
GMC Sierra SL Crew Cab 4WD $1,260 $630 $105
Honda Accord EX-L 4-Dr Sedan $1,246 $623 $104
Honda CR-V LX 4WD $1,042 $521 $87
Honda Civic DX 2-Dr Coupe $2,000 $1,000 $167
Jeep Grand Cherokee Laredo 4WD $1,458 $729 $122
Nissan Altima 2.5 4-Dr Sedan $1,026 $513 $86
Nissan Rogue SL AWD $1,700 $850 $142
Toyota Camry Hybrid $1,704 $852 $142
Toyota Corolla S $1,638 $819 $137
Get Your Own Custom Quote Go

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in your specific Coronado location which can increase or decrease coverage rates significantly.

Insurance premiums for males and females

The example below compares auto insurance costs for male and female drivers in Coronado. The prices are based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium on a Honda Pilot Touring.

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

Impact of speeding/accidents on car insurance rates

The chart below shows how violations and accident claims increase Nissan Sentra insurance costs for each different age group. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

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

Smart buyers know how to buy insurance for less

Many factors are considered when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not as apparent like your continuous coverage or your commute time.

The list below includes most of the major factors used by companies to determine your rates.

Discounts for cheap car insurance quotes

Car insurance is neither fun to buy or cheap, but there's a good chance there are discounts to help bring down the price. Many discounts should be triggered when you get a quote, but some need to be inquired about before they will apply.Car insurance discounts

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it doesn't quite work that way. Any amount of discount will lower your car insurance premiums.

Auto insurance companies that may include many of the previously listed discounts include:

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some discounts listed above might not be offered on policies everywhere.

Auto insurance companies are expert advertisers

Progressive, Allstate and GEICO regularly use television and radio advertisements. They all state the claim that drivers can save some big amount if you switch your auto insurance coverage to their company. How does every auto insurance company charge you a lower premium?

Companies look for specific characteristics for the type of customer that will not have excessive claims. For example, this type of risk profile should be between 25 and 40, is a homeowner, and drives a car with an anti-theft system. Anybody who fits those characteristics will most likely get cheap premium rates and will save a lot of money.

Potential insureds who don't measure up to the "perfect" profile must pay a more expensive rate and the driver buying from a lower-cost company. The trick companies use is to say "drivers who switch" not "everyone that quotes" save that much. This is how insurance companies can state the savings.

Because of these techniques, you really need to compare quotes as often as possible. It's not possible to predict which auto insurance company will provide the lowest auto insurance in Coronado.

You may need specialized car insurance coverage

Always keep in mind that when comparing coverage, there really is not a best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply.Drive safe and save For instance, these questions might help in determining whether your personal situation will benefit from professional help.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Car insurance claims by make and model

Is your vehicle a claim risk? The following tables list the highest and lowest makes and models for overall likelihood of having to file claims.

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claims Highest Claims
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 3500 Kia Forte
Ford F-350 SuperCrew Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Sentra
Ford F-250 SuperCrew Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Infiniti QX50 Maserati Granturismo
Chevy Silverado 2500 Bentley Continental GT
Nissan Leaf Mercedes-Benz S Class
Ford F-350 Porsche Panamera GTS
Chevy Spark Audi S7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Smart ForTwo Nissan GT-R
Ford F-250 SuperCab Audi RS7
Ford Edge Ferrari 458
Nissan Xterra Maserati Ghibli
Jeep Wrangler BMW 6 Series
GMC Canyon Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Acura MDX Kia Rio
Subaru Outback Chevrolet Impala
Subaru Forester Kia Optima
Audi A6 Dodge Charger
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The most affordable rates come from being thorough

When shopping online for insurance, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

Lower-priced insurance in Coronado can be found on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these smaller companies prefer to sell through local independent agencies.

We just covered a lot of ways to shop for insurance online. It's most important to understand that the more quotes you get, the better likelihood of getting cheaper Coronado car insurance quotes. Drivers may even discover the lowest prices come from an unexpected company. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

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