Want to learn how to find cheaper car insurance rates in Lemoore, CA? Trying to find cheaper insurance for a new or used car in California could be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare car insurance rates and you need to know the best way to quote coverages for a new or used and locate the best price possible from both online companies and Lemoore agents.

It is always a good idea to compare premium rates yearly since rates are rarely the same from one policy term to another. Even if you think you had the best deal on car insurance a few years ago there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you're going to get a crash course in one of the quickest ways to save on car insurance.

Getting quotes for more affordable policy in Lemoore is not that difficult. If you already have coverage or want to find a cheaper company, use these money-saving tips to get lower rates and possibly find even better coverage. Shoppers just have to use the most time-saving way to get comparison rates using one simple form.

Car insurance providers offering affordable rate quotes in California

The car insurance companies shown below can provide free rate quotes in Lemoore, CA. To buy cheap auto insurance in California, we suggest you visit as many as you can to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Lemoore
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,342 $671 $112
Chevrolet Silverado LS Extended Cab 2WD $1,250 $625 $104
Dodge Ram Crew Cab Sport 2WD $1,790 $895 $149
Ford Edge SEL 2WD $1,322 $661 $110
Ford Escape XLS 4WD $1,482 $741 $124
Ford Explorer Limited 4WD $1,802 $901 $150
Ford F-150 XL Super Cab 4WD $1,770 $885 $148
Ford Focus S 4-Dr Sedan $1,648 $824 $137
Honda Accord LX-P 4-Dr Sedan $1,174 $587 $98
Honda CR-V EX-L 4WD $1,066 $533 $89
Honda Civic VP 4-Dr Sedan $1,380 $690 $115
Kia Optima LX $1,668 $834 $139
Nissan Altima Hybrid 4-Dr Sedan $1,452 $726 $121
Toyota Camry Hybrid $2,018 $1,009 $168
Toyota Corolla XLE $1,418 $709 $118
Toyota Prius $1,686 $843 $141
Toyota Tacoma 4WD $1,438 $719 $120
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in garaging location in Lemoore which can revise auto insurance rates considerably.

Policy deductible comparison

One common question asked by Lemoore drivers is what deductibles to buy. The tables below may help you to understand how much more rates are when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
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Hyundai Sonata insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
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Prices above based on 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. Rates do not factor in your specific Lemoore location which can impact coverage prices substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $18 more each month or $216 annually than selecting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 14 months between claim filings, you would most likely save money if you elect the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $141
Average monthly premium for $500 deductibles (subtract): - $123
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important issue to know is that a higher deductible means you will have to pay more out-of-pocket if you have a claim. You need to have enough money put aside in the event you have to pay more for the deductible.

Careless Lemoore drivers pay higher rates

The information below highlights how traffic violations and at-fault collisions drive up Chevrolet Malibu insurance costs for different ages of insureds. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Difference between full coverage and liability only rates

The chart below shows the difference between Chevrolet Malibu insurance costs with full coverage and liability only. The information is based on no claims or driving citations, $100 deductibles, single female driver, and no discounts are taken into consideration.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying full coverage

There is no clear-cut formula that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's assume your Chevrolet Malibu settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If premium cost is more than $400 a year to have full coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Four ways to buy car insurance at a discount in Lemoore

It's important that you understand some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could result in lower premium levels. Many factors are part of the equation when premium rates are determined. Most are fairly basic such as traffic violations, but some are not as apparent such as whether you are married or your financial responsibility.

Cheap premiums for being claim-free - Insurance companies in California generally give better rates to policyholders who only file infrequent claims. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended for larger claims.

More traffic equals higher premiums - Choosing to live in areas with lower population has it's advantages when insuring your vehicles. City drivers have more road rage incidents and longer commute times. Less people means a lower chance of having an accident and also fewer theft and vandalism claims.

How do annual miles impact premiums? - The higher the mileage driven annually the higher your rate. Most insurance companies price each vehicle's coverage based upon how much you drive. Cars and trucks that are left in the garage receive better premium rates than those that get driven frequently. It's always a good idea to double check that your declarations sheet is rated on the right rating data, because improper ratings can cost you money.

High coverage deductibles reduce rates - Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, hail damage, and burglary. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance.

Companies offer lots of discounts on insurance

Some providers do not list all possible discounts in a way that's easy to find, so the following is a list of a few of the more common and the more hidden credits available to lower your premiums when you buy Lemoore car insurance online.Cheaper insurance with discounts

Policy discounts save money, but some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

Popular insurance companies and the discounts they provide include:

Check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To choose providers who offer free insurance quotes in Lemoore, click here.

Exclusive versus independent auto insurance agents

Some consumers prefer to visit with an insurance agent and that is not a bad decision Professional agents can point out coverage gaps and give you someone to call. A nice benefit of getting free rate quotes online is that drivers can save money and get better rates but also keep your business local. And buying from local agents is especially important in Lemoore.

Insurance agency in LemooreBy using this quick form, your insurance data is submitted to local insurance agents that give free quotes for your insurance coverage. You won't need to contact an agency because quoted prices will be sent immediately to you. If for some reason you want to get a price quote from a particular provider, don't hesitate to navigate to their website and give them your coverage information.

If you need to find a reputable insurance agent or broker, you need to know there are two different agency structures and how they can quote your rates. Car insurance agents in Lemoore can be classified as either exclusive or independent (non-exclusive). Either one can write policy coverage, but it's worth mentioning how they are different since it can impact your selection of an agent.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are not required to write business for one company so they can quote policies with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they can switch companies in-house and you don't have to do anything.

If you are trying to find cheaper rates, it's a good idea to include price quotes from several independent insurance agents in order to compare the most rates. They often place coverage with mutual insurance companies that many times have cheaper rates.

Exclusive Insurance Agencies

Agents in the exclusive channel have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare other company's rates so you might not find the best rates. Exclusive agents are trained well on their company's products which helps them compete with independent agents. Consumers often choose to use an exclusive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.

Selecting a insurance agency requires you to look at more than just a cheap price. Below are some questions you should ask.

Upon getting positive responses to these questions as well as offering an affordable quote, most likely you have located a car insurance agent that can be relied on to properly service your car insurance policy. Just remember you can always cancel your coverage whenever you wish so never assume that you are permanently stuck with a specific company for a certain time period.

Car insurance savings promises

Consumers in California can't get away from all the ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. All the companies advertise claims that you'll save big just by switching your coverage to them.

But how can every company give you a lower rate on car insurance? It's all in how they say it.

Most companies offer their best rates for a prospective insured that earns them the highest profit. For instance, a profitable customer might be described as between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A customer who matches that profile is entitled to the best price and will probably cut their car insurance rates if they switch.

Drivers who cannot meet these criteria will have to pay a higher rate which usually ends up with the customer buying from someone else. If you listen to the ad wording, they say "drivers that switch" but not "everyone who gets a quote" will save that much if they switch. That is how companies can make claims like that.

This emphasizes why drivers must get price quotes at each policy renewal. It's just not possible to know the company that will fit your personal profile best.

Car insurance claims by make and model

Are you driving a vehicle with a high chance of a claim? The following claim statistics show the best and worst makes and models for the probability of having claims.

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Audi A6 Chevrolet Cruze
Fiat 500 Hyndai Accent
Subaru Forester Chevrolet Impala
Mercedes-Benz SL Class Chrysler 200
Acura MDX Chevrolet Sonic
Volvo XC60 Mitsubishi Mirage

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Chrysler 200
Tesla Model S Chevrolet Spark
Ford Expedition Nissan Versa
Chevrolet Silverado 2500 Hyundai Accent
Audi A4 Allroad Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Bentley Continental GTC
Volvo V60 BMW M6
Chevy Spark Bentley Continental GT
Ford F-350 Maserati Quattroporte
Infiniti QX50 Mercedes-Benz S Class
GMC Sierra 2500 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab BMW M6
Mini Cooper Ferrari 458
Ford Edge Bentley Continental Flying Spur
Nissan Xterra Nissan GT-R
Chevrolet Colorado Maserati Granturismo
Smart ForTwo Bently Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Keep this in mind when shopping around

When you buy Lemoore car insurance online, never reduce needed coverages to save money. There have been many cases where someone sacrificed liability coverage limits only to discover later that it was a big error on their part. Your goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

Drivers leave their current company for a number of reasons such as policy non-renewal, questionable increases in premium, high rates after DUI convictions and even high prices. No matter why you want to switch, finding the right insurance provider is less work than it seems.

You just read many tips how you can shop for insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a company that doesn't do a lot of advertising.

To learn more, link through to the following helpful articles: