Think you have an underperforming, overpriced car insurance policy? You're preaching to the choir because you're not alone.

Shockingly, a large majority of car insurance policyholders have stayed with the same insurance company for at least the last four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. With the average premium in California being $1,387, drivers could save $469 each year by just shopping around, but they underestimate the benefits if they bought a different policy.

With so many choices of insurance companies, it is hard for the average consumer to locate a more affordable company.

Smart consumers take time to compare rates occasionally because car insurance prices trend upward over time. Even if you think you had the best rates on car insurance last year there is a good chance you can find better premium rates now. You can find a lot of information about car insurance online but we're going to give you some excellent ideas to save money.

Comparison shopping for the best car insurance coverage in Foster City is not as hard as you may think. Nearly each driver who compares rate quotes for car insurance most likely will be able to find lower rates. Nevertheless, California consumers need to have an understanding of the way companies compete online and use it to your advantage.

Cut your auto insurance rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but occasionally some discounts must be specifically requested before they will apply.Cheaper auto insurance with discounts

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you aren't that lucky. Any qualifying discounts will reduce your policy premiums.

A few popular companies and the discounts they provide are:

It's a good idea to ask each company which discounts they offer. Savings may not be available in your state. To see insurance companies that offer many of these discounts in California, click here.

When comparing auto insurance rates, know that quoting more will enable you to find lower pricing.

The following companies are our best choices to provide free quotes in California. To get cheap auto insurance in California, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Foster City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,896 $948 $158
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,342 $671 $112
Ford Escape Limited 2WD $1,336 $668 $111
Ford F-150 STX Regular Cab 4WD $1,324 $662 $110
Ford Focus SE 4-Dr Sedan $1,848 $924 $154
Honda Accord LX-S 2-Dr Coupe $1,388 $694 $116
Honda CR-V EX 4WD $1,336 $668 $111
Honda Civic Hybrid 4-Dr Sedan $1,626 $813 $136
Hyundai Elantra SE 4-Dr Sedan $1,606 $803 $134
Kia Optima LX $1,538 $769 $128
Nissan Altima 3.5 SR 4-Dr Sedan $1,884 $942 $157
Toyota Camry SE $1,672 $836 $139
Toyota Corolla XRS $1,698 $849 $142
Toyota Prius $1,502 $751 $125
Toyota Tacoma 2WD $1,716 $858 $143
Volkswagen Jetta 2.0T 4-Dr Sedan $1,490 $745 $124
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence coverage rates considerably.

Gender-based car insurance rates by age in Foster City

The illustration below shows the comparison of insurance costs for male and female drivers in Foster City. The premium estimates are based on no accidents, no driving violations, full coverage, $250 deductibles, drivers are not married, and no other discounts are factored in on a GMC Acadia SLE.

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

Deductible analysis

The chart below shows how choosing a deductible and can impact Ford Focus insurance rates for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

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

Impact of careless driving on car insurance rates

The diagram below demonstrates how speeding tickets and at-fault claims increase Ford F-150 car insurance rates for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Which is the best car insurance?

When quoting and choosing insurance from an agent or online for your vehicles, there isn't really a single plan that fits everyone. You are unique.Drive safe and save

Here are some questions about coverages that could help you determine whether you could use an agent's help.

If you can't answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Insurance agents are professional risk managers

Some people still prefer to get professional advice from a licensed agent. One of the benefits of price shopping on the web is that you can find cheaper car insurance rates but still work with a licensed agent. And buying from neighborhood agents is still important in Foster City.

Insurance agents in Foster CityAfter completing this form (opens in new window), your coverage information is submitted to companies in Foster City who will return price quotes for your insurance coverage. You never need to search for an agent because quoted prices will be sent directly to you. You can most likely find cheaper rates without a big time investment. If for some reason you want to quote rates from a particular provider, don't hesitate to find their quoting web page and fill out their quote form.

If you want to buy insurance from a reliable insurance agency, you must know there are a couple types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents in Foster City may be either exclusive agents or independent agents.

Independent Agents

Independent insurance agents often have affiliation with several companies so as a result can place your coverage with lots of companies and get the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and you don't have to do anything.

If you are trying to find cheaper rates, you will definitely want to get rate quotes from a few independent agents to get the best comparison.

Exclusive Insurance Agencies

Agents of this type can only write with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are very knowledgeable in insurance sales and that enables them to sell even at higher rates.

Picking a auto insurance agent needs to be determined by more than just a cheap price quote. These questions are important to ask:

Best and worst vehicle claim statistics

Which makes and models have the most claims? The statistics below list the best and worst makes and models for the overall chance of filing claims for each type of coverage.

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Bentley Continental GTC
Ford F-350 BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Nissan Xterra BMW M6
Chevy Spark Maserati Granturismo
GMC Sierra 2500 Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Chrysler 200
Ford Expedition Kia Forte
Chevrolet Corvette Chevrolet Sonic
Ford F-250 SuperCrew Mitsubishi Lancer
Ford F-350 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Impala
Audi A6 Kia Optima
Fiat 500 Chevrolet Cruze
Subaru Forester Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Acura MDX Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford Edge Audi RS7
GMC Canyon BMW 6 Series
Mini Cooper Bently Continental GTC
Nissan Xterra BMW M6
Chevrolet Colorado Maserati Ghibli
Smart ForTwo Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Cheap auto insurance premiums are possible

When searching for cheap Foster City auto insurance quotes, it's very important that you do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Consumers switch companies for a variety of reasons including poor customer service, unfair underwriting practices, policy non-renewal or even not issuing a premium refund. It doesn't matter what your reason, switching auto insurance companies is not as hard as you think.

We've covered some good ideas how to compare auto insurance prices in Foster City. The key thing to remember is the more quotes you get, the better chance you'll have of finding low cost Foster City auto insurance quotes. Consumers may even find the lowest prices come from an unexpected company.

Additional detailed information is available by following these links: