Do you want an efficient way to compare low-cost auto insurance rates in Lompoc, CA? Lompoc drivers have options when trying to find the best price on car insurance. They can either waste time driving around to get rate comparisons or leverage the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to price shop coverage for a new or used and get the best price possible either online or from Lompoc insurance agents.

You need to do price comparisons periodically because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on auto insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, follow these tips to reduce the price you pay without reducing protection. The goal of this article is to instruct you on how car insurance quotes work and some tricks to saving. Drivers only need to know how to find the lowest price instantly.

The method we recommend to compare rates is to know the fact almost all companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide a little information including coverage limits, driver ages, if you have a valid license, and any included safety features. Your insurance information is instantly submitted to insurance carriers in your area and you get price estimates almost instantly.

To compare rates for your car now, click here and complete the quick form.

The following companies offer price comparisons in California. To locate the cheapest car insurance in California, we suggest you click on several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Lompoc
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,166 $583 $97
Chevrolet Silverado LT Extended Cab 2WD $1,626 $813 $136
Dodge Ram Quad Cab Laramie 2WD $2,056 $1,028 $171
Ford Escape XLS 4WD $1,228 $614 $102
Ford F-150 XLT Regular Cab 2WD $1,444 $722 $120
Ford Focus SE 2-Dr Coupe $1,720 $860 $143
Ford Fusion Sport 4-Dr Sedan $1,452 $726 $121
Honda Accord EX 4-Dr Sedan $966 $483 $81
Honda CR-V EX 2WD $1,290 $645 $108
Honda Civic EX 4-Dr Sedan $1,380 $690 $115
Hyundai Elantra GLS 4-Dr Sedan $1,080 $540 $90
Nissan Altima 2.5 4-Dr Sedan $1,396 $698 $116
Toyota Camry LE $1,722 $861 $144
Toyota Corolla XLE $1,236 $618 $103
Toyota Prius $1,404 $702 $117
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in zip code location which can impact coverage rates greatly.

Physical damage deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The rates shown below outline the rate difference of buying low and high coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

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

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can affect auto insurance rates greatly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $45 more each month or $540 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claims, you would most likely save money if you choose the higher deductible.

Physical damage deductibles: Should you raise them?

The example below demonstrates how choosing different deductibles and can raise or lower Honda Pilot insurance costs for different insured age categories. The information is based on a married male driver, full physical damage coverage, and no discounts are factored in.

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

Independent and exclusive car insurance agents

Many drivers just prefer to sit down with an agent and that is a smart decision Insurance agents can help you build your policy and help submit paperwork. One of the great benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes and still have an agent to talk to.

After filling out this form (opens in new window), your insurance data is transmitted to agents in your area who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered to you directly. If you need to get a comparison quote from a particular provider, don't hesitate to visit that company's website and submit a quote form there.

Selecting an provider shouldn't rely on just the quoted price. Any agent in Lompoc should be willing to answer these questions.

Best car insurance agent in Lompoc

If you are searching for a reliable insurance agent, you need to know there are two different agency structures and how they are distinctly different. Insurance agencies in Lompoc can either be independent or exclusive depending on the company they work for. Both types can handle auto insurance, but it's important to know how they are different since it could factor into which type of agent you select.

Exclusive Insurance Agencies

Agents in the exclusive channel write business for a single company and some examples include American Family, State Farm, and AAA. These agents are unable to provide prices from multiple companies so keep that in mind. They are highly trained in insurance sales and that allows them to sell at a higher price point. Some people will only buy from exclusive agents primarily because of loyalty to the company rather than having low rates.

Independent Agents

These agents are not required to write business for one company so as a result can place your coverage with multiple insurance companies and find the cheapest auto insurance rates. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part. If you need cheaper auto insurance rates, you will want to get quotes from at least one independent agent so that you can do a thorough price comparison. Most also have access to smaller mutual companies that can offer cheaper rates than bigger companies.

Upon getting positive feedback and a good coverage price, it's a good possibility that you have found an insurance agency that is reputable and can provide auto insurance coverage.