How long has it been since the last time you looked for cheaper auto insurance rates in Burlingame, CA? Are you tired of trying to scrape together enough money to pay high auto insurance rates every month? You are no different than many other California drivers.

Unbelievable but true, a large majority of auto insurance policyholders have stayed with the same insurance company for four years or more, and almost half have never even shopped around for lower-cost coverage. Consumers in Burlingame could save nearly 35% every year just by getting comparison quotes, but they just feel it's too hard to save money by comparing rate quotes.

Multiple insurers compete for your insurance dollar, so it's not easy to compare every company to get the lowest rate on auto insurance.

How to buy Burlingame auto insurance online

Many insurance companies provide pricing on the web. Getting online quotes is very simple because you just enter your coverage information into the form. Upon sending the form, their system automatically retrieves reports for credit and driving violations and returns pricing information based on these factors. Being able to quote online makes it simple to compare prices and it is imperative to compare as many rates as possible if you want to get cheaper auto insurance pricing.

To compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend that you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

The companies shown below are our best choices to provide comparison quotes in California. If your goal is to find cheaper car insurance in California, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Burlingame
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,258 $629 $105
Chevrolet Silverado Crew Cab Hybrid 2WD $2,032 $1,016 $169
Dodge Grand Caravan Crew $1,256 $628 $105
Dodge Ram Quad Cab Laramie 4WD $2,138 $1,069 $178
Ford Escape Limited 4WD $1,244 $622 $104
Ford Explorer XLT AWD $1,244 $622 $104
Ford F-150 XL Super Cab 4WD $1,106 $553 $92
Ford Focus SES 2-Dr Coupe $1,568 $784 $131
Honda Accord EX 4-Dr Sedan $1,260 $630 $105
Honda CR-V EX 2WD $1,298 $649 $108
Honda Civic Hybrid 4-Dr Sedan $1,648 $824 $137
Hyundai Elantra Blue 4-Dr Sedan $1,256 $628 $105
Kia Optima LX $1,124 $562 $94
Nissan Altima 2.5 S 4-Dr Sedan $2,022 $1,011 $169
Toyota Camry XLE $1,080 $540 $90
Toyota Corolla XLE $1,874 $937 $156
Toyota Prius $984 $492 $82
Toyota RAV4 Sport 4WD $1,026 $513 $86
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in your specific Burlingame location which can lower or raise coverage prices significantly.

Price comparison of only insuring for liability

The information below visualizes the comparison of Ford Escape premium costs with and without full coverage. The prices are based on no violations or claims, $1,000 deductibles, single male driver, and no discounts are factored in.

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

Should you pay for full coverage or liability only?

There isn't a steadfast formula for excluding physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's pretend your Ford Escape replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your policy deductible. If it's costing in excess of $700 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you haven't satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Age-based auto insurance rates by gender

The illustration below shows the difference between insurance premiums for male and female drivers in Burlingame. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied on a Nissan Sentra SE-R.

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

Auto insurance does more than just protect your car

Despite the high insurance cost in Burlingame, auto insurance is most likely required but also gives you several important benefits.

The benefits of insuring your vehicle more than offset the price you pay, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $855 a year so you should quote rates each time the policy renews to help ensure money is not being wasted.

How your Burlingame premiums are determined

Lots of things are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, but others are less obvious such as your marital status or your financial responsibility.

The factors shown below are just a few of the factors car insurance companies consider when setting your prices.

Discounts mean cheaper rates

Not many people think insurance is cheap, but you might be missing out on some discounts that you may not even know about. A few discounts will automatically apply when you get a quote, but a few must be specifically requested before you will receive the discount.Save money with discounts

A quick disclaimer, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn't work that way.

A partial list of companies that may offer policyholders these discounts include:

Before purchasing a policy, check with every prospective company which discounts they offer. Savings might not be offered in Burlingame. To see insurers that have a full spectrum of discounts in Burlingame, click here to view.

When to talk to an insurance agent

Many drivers just prefer to talk to a local agent and doing that can be a smart decision The biggest benefit of comparing insurance prices online is you may find cheaper rates and still have a local agent.

For easy comparison, once you complete this quick form, your insurance data is transmitted to agents in your area who can give free rate quotes for your insurance coverage. There is no need to find an agent since price quotes are sent to your email. You can find lower rates and an insurance agent to talk to. In the event you want to compare rates for a specific company, you would need to go to their quote page and give them your coverage information.

Deciding on an insurer shouldn't rely on just the price. Before buying a policy in Burlingame, get answers to these questions.

Car insurance claim statistics

Which vehicles tend to have high claims? The statistics below show the worst and best models for likelihood of filing claims.

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Bently Continental GT
Ford Edge Ferrari 458
Smart ForTwo BMW 6 Series
GMC Canyon Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Porsche Panamera GTS
Volvo V60 Maserati Quattroporte
Chevy Spark Audi S7
Chevy Silverado 2500 Bentley Continental GT
Nissan Leaf BMW M6
Nissan Xterra Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Tesla Model S Kia Forte
Chevrolet Silverado 2500 Nissan Versa
Ford F-350 SuperCrew Chevrolet Sonic
Chevrolet Silverado 3500 Mitsubishi Mirage
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Corvette Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Subaru Forester Mitsubishi Lancer
Fiat 500 Mitsubishi Mirage
Chevrolet Corvette Chevrolet Cruze
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Kia Rio
Audi A6 Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Shop around and save

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. Too many times, an insured cut full coverage and discovered at claim time that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.

Cheap auto insurance in Burlingame can be bought from both online companies and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these smaller providers work with independent agents.

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