Comparing and finding cheaper prices for auto insurance is nearly impossible for drivers who are new to comparing rates online. With such a large number of insurers available, it can quickly become more work than you anticipated to find the best price in California on auto insurance.

A recent auto insurance study discovered that the vast majority of consumers in California kept buying from the same company for at least four years, and approximately 38% of consumers have never taken the time to shop around. Most drivers in the U.S. can save hundreds of dollars each year by just shopping around, but they don't know the actual amount they would save if they just switched companies.

When price shopping your coverage, making a lot of price comparisons helps you find more affordable insurance. Some insurance companies are not set up to provide quotes over the internet, so you should also compare quotes on coverage from those companies, too.

The car insurance companies shown below are our best choices to provide quotes in California. If your goal is to find cheap car insurance in California, it's a good idea that you compare several of them to find the cheapest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Antioch
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,298 $649 $108
Chevrolet Malibu LTZ $1,252 $626 $104
Chevrolet Silverado LT Extended Cab 4WD $1,348 $674 $112
Dodge Ram Quad Cab Sport 4WD $1,530 $765 $128
Ford Escape XLS 2WD $1,094 $547 $91
Ford F-150 XLT Crew Cab 2WD $1,310 $655 $109
Ford Focus SE 4-Dr Sedan $1,536 $768 $128
Honda Accord EX 2-Dr Coupe $1,388 $694 $116
Honda CR-V EX-L 4WD $1,650 $825 $138
Honda Civic LX 2-Dr Coupe $1,868 $934 $156
Honda Odyssey LX $1,212 $606 $101
Jeep Grand Cherokee Laredo 4WD $1,296 $648 $108
Kia Optima EX $1,410 $705 $118
Nissan Altima 3.5 SR 4-Dr Sedan $1,124 $562 $94
Toyota Camry LE $1,566 $783 $131
Toyota Corolla S $1,404 $702 $117
Toyota RAV4 Sport 2WD $1,752 $876 $146
Toyota Tacoma 4WD $1,604 $802 $134
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in specific location which can affect rates substantially.

Policy deductible comparison

The example below highlights how deductible selection and can affect Ford Fusion annual premium costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

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

Insurance rates by gender

The illustration below illustrates the difference between car insurance costs for male and female drivers in Antioch. Data assumes no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration on a Toyota Corolla S.

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

Do you qualify for discounts on car insurance?

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not know about. Most are applied at quote time, but less common discounts must be specially asked for before you get the savings.Car insurance discounts

You should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

For a list of companies with the best discounts in Antioch, click this link.

Smart buyers can cut their auto insurance rates

Many factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent like your vehicle usage or your commute time.

Listed below are some of the factors used by your company to calculate rates.

Local neighborhood Antioch car insurance agents

Certain consumers prefer to buy from a licensed agent and that can be a smart move A good thing about comparing car insurance online is that drivers can save money and get cheap rate quotes and still buy from a local agent.

Antioch insurance agentsTo find an agent, once you fill out this form (opens in new window), your insurance data is transmitted to companies in Antioch that provide free Antioch auto insurance quotes for your business. You won't even need to find an agent because prices are sent instantly to you. Get lower rates AND an agent nearby. If you need to get a rate quote from a specific insurance company, feel free to find their quoting web page and give them your coverage information.

Selecting an provider requires you to look at more than just the quoted price. Any good agent in Antioch should know the answers to these questions.

Once you have received good answers to any questions you have as well as an affordable premium quote, you may have found an insurer that is a good match to provide car insurance coverage.

Insurance agents can help

Always remember that when buying proper insurance coverage, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's.Car insurance savings

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

The largest companies are not always cheapest

21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. They all make the point about savings if you just switch your car insurance policy to them. How do they all offer you a better deal on car insurance? It's all in the wording.

Most companies have an ideal profile for the type of customer that makes them money. A good example of a profitable risk profile might be over the age of 45, has never had a policy lapse, and drives a safe vehicle. Anybody who fits those characteristics gets the lowest rates and will most likely save a lot of money.

People who fall outside the "perfect" profile will be quoted a higher premium with the end result being business going elsewhere. If you listen closely, the ads state "people that switch" but not "all drivers who get quotes" will save that much if they switch. That is how insurance companies can confidently make those statements. This emphasizes why it is so important to compare quotes as often as possible. It's impossible to know which car insurance company will have the lowest rates for your situation.

Final considerations

Consumers switch companies for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, poor customer service and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right car insurance provider can be easier than you think.

Throughout this article, we presented a lot of information how to find cheaper coverage online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper Antioch auto insurance quotes. Drivers may even discover the biggest savings come from the smaller companies.

A few companies do not provide online quoting and most of the time these regional insurance providers only sell coverage through independent agents. Cheaper car insurance in Antioch is definitely available on the web in addition to many Antioch insurance agents, and you should be comparing both in order to have the best chance of saving money.

Additional car insurance information can be found at the links below