Want more affordable insurance rates in Rancho Mirage, CA? Wish you could get a refund on an underperforming, overpriced insurance policy? Believe me when I say you are not the only one feeling buyer's remorse.

Remarkably, a study showed that a large majority of drivers have stayed with the same insurance company for at least four years, and just under half have never compared quotes from other companies. The average driver in America could save an average of $859 each year by just comparing quotes, but they think it's difficult to compare rates.

Companies like Progressive, State Farm and GEICO continually hit you with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

Auto insurance companies in California

The companies shown below offer comparison quotes in California. If multiple companies are listed, we suggest you click on several of them in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Rancho Mirage
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,298 $649 $108
Chevrolet Silverado LS Regular Cab 2WD $1,162 $581 $97
Dodge Ram Quad Cab Sport 4WD $1,434 $717 $120
Ford Edge Sport 2WD $1,232 $616 $103
Ford Escape XLT 4WD $990 $495 $83
Ford Explorer Eddie Bauer 2WD $1,438 $719 $120
Ford F-150 Lariat Super Cab 2WD $1,366 $683 $114
Ford Focus S 4-Dr Sedan $1,322 $661 $110
GMC Sierra SLE Crew Cab 4WD $2,072 $1,036 $173
Honda Accord LX-S 2-Dr Coupe $1,766 $883 $147
Honda CR-V LX 4WD $1,042 $521 $87
Honda Civic DX 2-Dr Coupe $1,494 $747 $125
Hyundai Elantra SE Touring Station Wagon $1,364 $682 $114
Nissan Altima 2.5 S 2-Dr Coupe $1,762 $881 $147
Toyota Camry XLE $1,626 $813 $136
Toyota Corolla XRS $1,660 $830 $138
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific location which can change coverage prices significantly.

Rancho Mirage insurance rates: Men versus women

The information below compares insurance premiums for male and female drivers in Rancho Mirage. Data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in on a Ford Escape XLS.

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

Companies offer many discounts on car insurance

Some insurers don't list every disount available in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts that you may qualify for.Car insurance discounts

As a footnote on discounts, most credits do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will lower your car insurance premiums.

To choose providers with the best discounts in California, follow this link.

Learn about car insurance coverages

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Comprehensive auto coverage - Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, damage from flooding, a broken windshield, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Auto liability - Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/5 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical expenses, loss of income, pain and suffering, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, rehabilitation expenses, dental work and ambulance fees. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage - This provides protection when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.

Since many California drivers carry very low liability coverage limits (15/30/5 in California), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages - This coverage covers damage to your vehicle from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to raise the deductible in order to get cheaper collision rates.

The lowest rates come from being thorough

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to find out they didn't have enough coverage. Your aim should be to buy a smart amount of coverage at the best possible price, but don't skip important coverages to save money.

We covered some good ideas how you can lower your car insurance auto insurance rates in Rancho Mirage. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the best price on car insurance is with a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

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