How many times have you told yourself to find more affordable car insurance rates in Redwood City, CA? Redwood City buyers have a choice when searching for low-cost car insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to find the lowest rates. There are both good and bad ways to shop for car insurance so we're going to tell you the best way to quote coverages for your and find the best price possible either online or from Redwood City insurance agents.
Unimaginable but true, over 70% of consumers renewed their policy with the same company for four years or more, and 38% of customers have never quoted rates to find lower-cost coverage. California drivers could save roughly $500 every year by just shopping around, but they won't spend time to compare rates and save money.
You need to get comparison quotes occasionally because rates are rarely the same from one policy term to another. Just because you found the best rate on car insurance last year you may be paying too much now. Ignore everything you know about car insurance because it's time to teach you the best way to properly buy coverages and cut your premium.
Cheapest companies for Redwood City car insurance
The companies shown below offer price quotes in California. To buy cheap car insurance in California, we recommend you compare several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 4WD||$1,294||$647||$108|
|Chevrolet Malibu Hybrid||$1,334||$667||$111|
|Chevrolet Silverado LS Regular Cab 2WD||$1,444||$722||$120|
|Dodge Ram Crew Cab Laramie 2WD||$1,574||$787||$131|
|Ford Escape Limited 2WD||$1,066||$533||$89|
|Ford F-150 XLT Crew Cab 4WD||$1,200||$600||$100|
|Ford Focus SES 2-Dr Coupe||$1,674||$837||$140|
|GMC Sierra SLT Crew Cab 4WD||$1,176||$588||$98|
|Honda Accord LX-P 4-Dr Sedan||$1,128||$564||$94|
|Honda CR-V EX 2WD||$1,602||$801||$134|
|Honda Civic SI 4-Dr Sedan||$1,508||$754||$126|
|Honda Odyssey EX||$1,028||$514||$86|
|Jeep Grand Cherokee Laredo 4WD||$1,458||$729||$122|
|Nissan Altima 3.5 SR 2-Dr Coupe||$2,038||$1,019||$170|
|Toyota Camry Hybrid||$1,496||$748||$125|
|Toyota Corolla XRS||$1,436||$718||$120|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific Redwood City garaging location which can change premiums significantly.
Difference between liability only and full coverage rates
The illustration below illustrates the comparison of Honda Pilot yearly insurance costs with and without physical damage coverage. Data assumes no claims, a clean driving record, $500 deductibles, married female driver, and no discounts are taken into consideration.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying comprehensive and collision coverage
There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let's say your Honda Pilot book value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the deductible is paid. If it's costing you more than $200 a year for full coverage, then it might be time to buy liability only.
There are some scenarios where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
You may qualify for discounts
Some insurers do not advertise every disount available in a way that's easy to find, so we took the time to find a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy Redwood City car insurance online.
- Claim-Free Discount - Claim-free drivers pay much less when compared to accident-prone drivers.
- Multiple Vehicles - Buying coverage for multiple cars with one company qualifies for this discount.
- Passive Restraints - Factory air bags and/or automatic seat belt systems could see savings up to 30%.
- Active Service Discounts - Being on active deployment in the military could qualify you for better premium rates.
- Waiver for an Accident - Not a discount per se, but a handful of insurance companies will let one accident slide before raising your premiums if you have no claims prior to being involved in the accident.
- ABS and Traction Control Discounts - Cars with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
- Senior Citizen Rates - If you qualify as a senior citizen, you can get a small discount on rates.
- Low Miles Discount - Low annual miles can qualify you for better car insurance rates on cars that stay parked.
- Student Driver Training - It's a good idea to have your young drivers take driver's ed class in school or through a local driver safety program.
While discounts sound great, it's important to understand that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it just doesn't work that way.
Some of the larger companies who may offer these benefits are:
If you need low cost Redwood City car insurance quotes, ask each insurance company which discounts they offer. Savings might not apply in Redwood City. To choose insurers with significant discounts in Redwood City, click here.
Keep in mind that when it comes to choosing coverage for your vehicles, there isn't really a one-size-fits-all type of policy. Each situation is unique and your policy should reflect that. For instance, these questions could help you determine whether or not you could use an agent's help.
- What can I do if my company denied a claim?
- If my pet gets injured in an accident are they covered?
- Can I make deliveries for my home business?
- If my vehicle is totaled, can I afford another vehicle?
- Why do I only qualify for high-risk insurance?
- If I drive on a suspended license am I covered?
- Should I get collision insurance on every vehicle?
- What exactly is covered by my policy?
- How can I find cheaper teen driver insurance?
If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.
When should I talk to an insurance agency?
A lot of people prefer to get advice from a local agent and that can be a smart move Insurance agents can help determine the best coverages and give you someone to call. The best thing about comparing rate quotes online is you may find better rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, your insurance coverage information is sent to participating agents in Redwood City who will gladly provide quotes for your auto insurance coverage. There is no need to search for any insurance agencies because prices are sent directly to you. If for some reason you want to quote rates for a specific company, feel free to visit that company's website to submit a rate quote request.
Finding the right provider requires you to look at more than just the quoted price. These questions are important to ask:
- Will they make sure you get an adequate claim settlement?
- Does the agent recommend any additional coverage?
- What is the agency's Better Business Bureau rating?
- Does the agency provide any after hours assistance?
- What are the financial ratings for the companies they represent?
- Does the agency support the community they serve?
- Can they provide you with a list of referrals?
Independent or Exclusive: It's your choice
If you want to buy auto insurance from a reputable agency, you need to know there are two different types of agencies and how they work. Agents can be classified as either independent agents or exclusive agents depending on their employer. Both can properly insure your vehicles, but it is a good idea to know the differences since it may influence which agent you choose.
Exclusive Insurance Agents
These agents can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on their company's products which can be an advantage. Drivers often use the same exclusive agent primarily because of the prominent brand name rather than having the cheapest rates.
Independent Agents (or Brokers)
Agents in the independent channel do not sell for just one brand so they can quote policies through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house and you stay with the same agent.
If you are trying to find cheaper rates, you should always include a couple of independent agencies so that you can do a thorough price comparison. Most also have access to less well-known companies that many times have cheaper rates.
Cheap auto insurance premiums are out there
As you quote Redwood City car insurance, make sure you don't skimp on coverage in order to save money. In many cases, consumers will sacrifice full coverage and learned later they didn't have enough coverage. Your goal is to buy a smart amount of coverage at the best price, but do not skimp to save money.
Lower-priced auto insurance in Redwood City is possible on the web and also from your neighborhood Redwood City agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don't offer price quotes online and usually these smaller companies provide coverage only through independent insurance agencies.
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