Would you like to stop wasting money and find cheaper auto insurance rates in Hawthorne, CA? Nobody I know likes having to buy auto insurance, especially knowing their premiums are through the roof.
A recent auto insurance study revealed that the majority of drivers have stayed with the same insurance company for well over three years, and 38% of drivers have never compared auto insurance rates at all. Hawthorne drivers can save $470 each year by just comparing rate quotes, but they just assume it takes a lot of time to find cheaper auto insurance rates.
Numerous insurance companies battle for your business, so it can be very hard to choose a insurance company and uncover the absolute best price available on auto insurance.
Smart consumers take time to shop coverage around quite often because auto insurance prices tend to go up over time. Just because you found the lowest price on auto insurance six months ago you can probably find a better rate now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to how to use the internet to reduce your cost while improving coverage.
If you have auto insurance now, you will definitely be able to get lower rates using the ideas covered in this article. Locating the most cost-effective auto insurance policy in Hawthorne is much easier if you have a good place to start. Although California drivers do need to learn the methods companies use to set your policy premium because rates fluctuate considerably.
Keep in mind that comparing more quotes helps increase your odds of locating better pricing. Not every company provides online rate quotes, so you also need to get price estimates from those companies as well.
The companies shown below have been selected to offer price quotes in Hawthorne, CA. If your goal is to find cheap car insurance in California, we suggest you click on several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT 2WD||$1,566||$783||$131|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,978||$989||$165|
|Dodge Ram Crew Cab TRX 2WD||$1,490||$745||$124|
|Ford Escape XLT 2WD||$1,042||$521||$87|
|Ford F-150 FX2 Super Cab 2WD||$1,084||$542||$90|
|Ford Focus SEL 4-Dr Sedan||$1,210||$605||$101|
|Honda Accord LX-P 4-Dr Sedan||$1,138||$569||$95|
|Honda CR-V EX-L 4WD||$1,290||$645||$108|
|Honda Civic SI 4-Dr Sedan||$1,892||$946||$158|
|Mazda 3 S Sport 4-Dr Sedan||$1,648||$824||$137|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,416||$708||$118|
|Toyota Camry LE||$1,566||$783||$131|
|Toyota Corolla LE||$1,280||$640||$107|
|Toyota RAV4 Limited 2WD||$1,532||$766||$128|
|Volkswagen Jetta S 4-Dr Sedan||$1,538||$769||$128|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can impact premiums considerably.
Impact of citations and accidents on insurance rates
The chart below demonstrates how speeding tickets and at-fault accidents raise Dodge Ram insurance costs for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Cost of full coverage
The diagram below visualizes the comparison of Toyota Corolla insurance premiums with full phyical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $250 deductibles, married female driver, and no additional discounts are factored in.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
When to switch to liability coverage only
There is no clear-cut formula for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your Toyota Corolla book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the deductible is paid. If you are paying more than $200 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Why you need insurance
Despite the potentially high cost of insurance, insurance is mandatory in California but it also protects more than you think.
- Almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability if you drive a vehicle. 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.
- If your vehicle has a lienholder, most banks will force you to buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your vehicle for a much higher rate and make you pay for it.
- Insurance protects not only your car but also your assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses in the event you are sued. If your vehicle gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. Despite what companies tell you, the average driver overpays as much as $830 a year so compare rates at every policy renewal to save money.
Eight tips to get lower Hawthorne auto insurance premiums
Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are more obscure like your continuous coverage or your commute time.
Be proud to be claim-free - Auto insurance companies in California give the best rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for more catestrophic claims.
More people means more accidents - Residing in small towns and rural areas has definite advantages if you are looking for the lowest rates. Drivers who live in large cities have to deal with more auto accidents and higher rates of accident claims. Less people living in that area means reduced accidents and lower theft and vandalism rates.
Accidents hurt - Whether or not you get tickets impacts your car insurance rates tremendously. Getting just one speeding ticket or other violation can bump up the cost by as much as twenty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. People who have multiple tickets such as DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
Allowing your auto insurance to lapse raises premiums - Having an insurance coverage lapse is a quick way to pay more for auto insurance. And not only will your rates increase, getting caught without coverage could result in a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.
High comp and collision deductibles equal low rates - Physical damage insurance, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage caused by hail, and having your car stolen. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the better rate you will receive.
See if your company offers a multi-policy discount - The majority of insurance companies will award lower prices to people that purchase more than one policy. It's known as a multi-policy discount. Discounts can be ten percent or more. Even if you already get this discount, consumers should still compare rates to ensure the best deal.
Little extras can really add up - Insurance companies have many extra coverages you can purchase on your policy. Insurance for things like vanishing deductibles, towing, and membership fees may be costing you every month. The coverages may be enticing initially, but if you don't need them remove them from your policy.
Limits of liability insurance - Liability coverage will protect you if ever you are responsible for causing personal injury or damage in an accident. Liability provides legal defense coverage to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
Don't overlook these insurance discounts
Car insurance companies don't always list every policy discount very well, so the next list breaks down some of the best known as well as the least known credits that you can use to lower your rates.
- Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few insurance companies.
- Driver Training Discounts - Passing a course teaching defensive driving skills is a good idea and can lower rates and easily pay for the cost of the class.
- Organization Discounts - Affiliation with a professional or civic organization can get you a small discount on insurance.
- Seat Belts Save more than Lives - Forcing all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
- Student Discounts - Maintaining excellent grades may save you up to 25%. The discount lasts up until you turn 25.
Just know that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won't be that lucky.
Insurance companies who may offer these discounts include:
If you are trying to find affordable Hawthorne car insurance quotes, ask each company or agent which discounts you may be entitled to. Savings might not be offered in your state. To see a list of providers who offer online insurance quotes in California, click here.
Compare rates but work with a local Hawthorne insurance agency
Some people still like to talk to a local agent and that is not a bad decision A good thing about comparing car insurance online is the fact that you can find better rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to local insurance agents in Hawthorne that provide free Hawthorne car insurance quotes to get your business. You never need to find an agent because quoted prices will be sent directly to your email. It's the lowest rates without the usual hassles of price shopping. If you need to get a comparison quote from a particular provider, you can always find their quoting web page and fill out the quote form the provide.
Picking an insurer should include more criteria than just the premium amount. Here are some questions to ask:
- Do they have any clout with companies to ensure a fair claim settlement?
- Will high miles depreciate repair valuations?
- Do they write coverage based solely on cost?
- Do you work with a CSR or direct with the agent?
- Can you contact them at any time?
- Is there a Errors and Omissions policy in force?
Not all auto insurance agents are the same
When searching for local Hawthorne agents, you need to know there are two different types of agencies and how they work. Car insurance agents in Hawthorne are considered either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
These type of agents can only quote rates from one company like Farmers Insurance, Allstate, or State Farm. These agents are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents are trained well on their company's products which helps them sell on service rather than price.
Independent Agencies or Brokers
Agents that choose to be independent are not employed by any specific company so they can quote policies amongst many companies and get you the best rates possible. If they find a cheaper price, they simply move your policy to a different company and you stay with the same agent.
If you need lower rates, you will want to get several quotes from a couple of independent agencies to get the most accurate price comparison.
More quotes mean more auto insurance savings
Throughout this article, we presented many tips how you can find cheaper coverage online. The key concept to understand is the more times you quote, the better chance you'll have of finding cheap Hawthorne car insurance quotes. Drivers may even discover the best price on auto insurance is with the smaller companies. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.
As you quote Hawthorne car insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability coverage limits only to regret at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.
Additional auto insurance information is located below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has the Cheapest California Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)