Pricey insurance in Alameda can take a big chunk out of your checking account and maybe even restrict other spending.

Unbelievably, the vast majority of consumers in California have stayed with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. American insurance shoppers can save approximately 46.5% each year, but they just don't understand the actual amount they would save if they swap their current policy for a cheaper one.

With people having so many choices, it can be challenging to locate the best insurance company.

It's important to do price comparisons yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best price on insurance a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because you're about to find out the quickest way to get good coverage on insurance at a lower rate.

When shopping for auto insurance there are multiple ways to compare rate quotes from many auto insurance companies in California. One of the best ways to compare insurance prices involves getting comparison quotes online.

It's so simple to compare auto insurance rates online makes it obsolete to make phone calls or go to all the different insurance agencies. Buying insurance online makes this unnecessary unless you have a complicated situation and need the extra assistance of a licensed agent. If you prefer, some companies allow you to find lower rates online and get advice from an agent in your area.

When quoting auto insurance, remember that comparing a wide range of rates will enable you to find a lower rate. Not every company does quotes over the internet, so you also need to get prices on coverage from those companies, too.

The providers in the list below have been selected to offer price quotes in California. To find cheap auto insurance in California, it's a good idea that you click on several of them in order to find the lowest rates.

Insurance Rate Estimates for Popular Vehicles in Alameda
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,246 $623 $104
Chevrolet Equinox LT 2WD $1,490 $745 $124
Chevrolet Impala LS $1,364 $682 $114
Chevrolet Silverado LTZ Extended Cab 2WD $2,178 $1,089 $182
Dodge Ram Quad Cab Laramie 2WD $1,602 $801 $134
Ford Escape Limited 2WD $1,324 $662 $110
Ford F-150 FX4 4WD $1,420 $710 $118
Ford Focus SEL 4-Dr Sedan $1,388 $694 $116
Ford Fusion Sport 4-Dr Sedan $1,406 $703 $117
GMC Sierra SL Crew Cab 4WD $1,830 $915 $153
Honda Accord LX 4-Dr Sedan $1,428 $714 $119
Honda CR-V EX-L 4WD $888 $444 $74
Honda Civic LX 2-Dr Coupe $1,622 $811 $135
Hyundai Elantra GLS Touring Station Wagon $1,272 $636 $106
Nissan Altima Hybrid 4-Dr Sedan $1,252 $626 $104
Nissan Rogue S AWD $1,404 $702 $117
Toyota Camry SE $1,424 $712 $119
Toyota Corolla XRS $1,710 $855 $143
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in your specific Alameda location which can alter insurance rates noticeably.

Alameda insurance premiums for males versus females

The information below shows the comparison of insurance rates for male and female drivers in Alameda. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in on a Honda Accord LX.

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

Raise deductibles and save

The example below highlights how deductible choice and can raise or lower GMC Acadia annual premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Choosing deductibles

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The figures shown below may aid in understanding the rate difference when you choose different comp and collision deductibles. The first data table uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

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

Honda Accord insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX-L 4-Dr Sedan $380 $686 $376 $22 $112 $1,601 $133
Accord EX 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord LX-S 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord EX-L 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific garaging location which can modify coverage prices considerably.

Based on the figures above, using a $100 deductible costs approximately $28 more each month or $336 a year than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 14 months between claims, you would save money going with the higher deductible.

Three main reasons to buy auto insurance

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. The average driver in America overpays as much as $800 each year so it's important to compare rates at least once a year to save money.

You have control over your car insurance premiums

Lots of things are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are not as apparent like where you live or how financially stable you are.

The factors shown below are some of the factors car insurance companies consider when setting your rates.

Discounts for cheaper car insurance quotes

Some providers don't always publicize all available discounts very well, so below is a list a few of the more well known as well as the least known car insurance savings.Discount car insurance

We need to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn't quite work that way.

A list of car insurance companies and some of the premium reductions they offer are outlined below.

Before you buy a policy, ask every insurance company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in Alameda. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in Alameda, click here to view.

Compare but don't skimp

You just read a lot of techniques to shop for insurance online. The most important thing to understand is the more you quote Alameda auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

Cost effective insurance is attainable online in addition to many Alameda insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not provide online rate quotes and many times these small, regional companies prefer to sell through local independent agencies.

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