Are you irritated from not being able to scrape enough together to keep your car insured? You're in the same situation as most other drivers in California.

It's hard to fathom, but a large majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and roughly 40% of drivers have never taken the time to shop around. California drivers can save about $470 each year just by shopping around, but they underestimate the amount of money they would save if they bought a different policy.

Drivers have many insurers to purchase coverage from, and though it is a good thing to be able to choose, it can be more difficult to get the best deal.

You need to check auto insurance prices quite often because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on auto insurance six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because you're about to find out the best methods to properly buy coverages while reducing your premium.

Quoting and comparing rates for the best insurance policy in El Monte is not as hard as you think. Just about every person who is shopping for insurance will more than likely find a lower-cost policy. Although California car owners must comprehend the way insurance companies determine prices because it varies considerably.

To find cheaper rates, there are a couple of ways of comparing rates from lots of California auto insurance companies. The simplest method to comparison shop is to use the internet to compare rates.

Getting rate quotes online is very simple and it makes it a waste of time to spend time driving to insurance agents' offices. The ability to buy insurance online eliminates the middleman unless you have a complicated situation and need the professional advice that only an agent can give. You can, however, price shop online and get advice from an agent in your area.

When price shopping your coverage, comparing more rates from different companies helps you find the best rates. Not every company provides online rate quotes, so you need to compare price quotes from those companies as well.

The following companies have been selected to offer price comparisons in California. If your goal is to find the best cheap car insurance in California, we recommend you visit two to three different companies to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in El Monte
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,482 $741 $124
Chevrolet Equinox LTZ AWD $1,592 $796 $133
Chevrolet Impala LT $1,026 $513 $86
Chevrolet Silverado LS Regular Cab 4WD $1,350 $675 $113
Dodge Ram Crew Cab Sport 4WD $2,020 $1,010 $168
Ford Escape XLT 2WD $1,138 $569 $95
Ford F-150 XLT Super Cab 2WD $1,648 $824 $137
Ford Focus S 4-Dr Sedan $1,680 $840 $140
Honda Accord LX-P 4-Dr Sedan $1,298 $649 $108
Honda CR-V EX-L 2WD $1,316 $658 $110
Honda Civic VP 4-Dr Sedan $1,384 $692 $115
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,440 $720 $120
Nissan Altima 2.5 4-Dr Sedan $1,216 $608 $101
Nissan Rogue SL 2WD $1,238 $619 $103
Toyota Camry Hybrid $2,006 $1,003 $167
Toyota Corolla XRS $1,710 $855 $143
Toyota Tacoma 4WD $1,462 $731 $122
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease insurance rates substantially.

Comparison of policy deductibles

When shopping for car insurance, a common question is which deductible level should you buy. The rates shown below can help illustrate the cost difference when you select higher and lower policy deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

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

Honda Accord insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Get a Quote for Your Vehicle Go
Honda Accord insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX-P 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX-P 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX-L 4-Dr Sedan $210 $362 $376 $22 $112 $1,082 $90
Accord EX 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord LX-S 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord EX-L 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Get a Quote for Your Vehicle Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower rates substantially.

Based on this data, using a $250 deductible costs an average of $29 more each month or $348 annually than buying the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 26 months between claims, you would most likely save money going with the higher deductible. Here's the way you can come to your own conclusion.

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Drive responsibly or pay higher rates

The diagram below illustrates how speeding tickets and fender-benders drive up Toyota Corolla car insurance rates for each age group. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance rates by gender and age in El Monte

The chart below illustrates the difference between insurance prices for male and female drivers in El Monte. The premium estimates are based on no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied on a Nissan Sentra SE-R SPEC V.

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

Lower-cost El Monte car insurance rates with discounts

Companies don't always advertise all discounts in an easy-to-find place, so the list below details some of the more common and also the more inconspicuous ways to save on car insurance.Discount car insurance

Just know that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

To choose car insurance companies that can offer you the previously mentioned discounts in California, follow this link.

Three reasons to insure your vehicle

Even though it's not necessarily cheap to insure a vehicle in El Monte, maintaining insurance serves several important purposes.

The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $800 each year so shop around every year to save money.

Your situation helps dictate your coverage

When buying adequate coverage, there really is no one-size-fits-all type of policy. Everyone's needs are different.Drive safe and save

For instance, these questions can help discover whether or not you would benefit from professional advice.

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Are insurance agents used anymore?

A small number of people still like to talk to an insurance agent and often times that is recommended An additional benefit of comparing rates online is that you can find cheap car insurance rates but still work with a licensed agent. And providing support for small agencies is still important in El Monte.

By using this form (opens in new window), the quote information is sent to participating agents in El Monte who will gladly provide quotes for your car insurance coverage. You don't have to search for an agent because prices are sent immediately to you. You can find better rates without having to waste a lot of time. If you need to get a rate quote from a specific insurance company, you can always visit that company's website and give them your coverage information.

Selecting a insurer requires more thought than just a low price. Any good agent in El Monte should know the answers to these questions.

Once you have reasonable responses to any questions you have in addition to an acceptable price estimate, it's possible that you found a company that is reliable enough to provide car insurance coverage. Just understand that you can always terminate your policy whenever you want so never feel you are locked into the car insurance policy for any length of time.