Are you tired of trying to find more affordable car insurance rates in Los Banos, CA? Searching for better insurance prices for your car in California could be a painful process, but you can use a few tricks to save time. There is a better way to shop for car insurance so we're going to tell you the proper way to get price quotes for a new or used and find the lowest price from Los Banos insurance agents and online providers.

It's a good idea to do rate comparisons on a regular basis because insurance prices are rarely the same from one policy term to another. Even if you think you had the best rates on car insurance two years ago there may be better deals available now. Block out anything you think you know about car insurance because you're about to find out the tricks you need to know to buy cheaper car insurance.

Don't overlook these auto insurance discounts

Auto insurance is easily one of your largest bills, but you may find discounts that many consumers don't even know exist. A few discounts will be applied at quote time, but some must be manually applied before they will apply.Cheaper auto insurance with discounts

Don't be surprised that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that you could get a free auto insurance policy, companies don't profit that way.

A few companies that have these benefits may include but are not limited to:

When getting free Los Banos car insurance quotes, it's a good idea to every insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your state.

Cutting your Los Banos insurance rates is a great way to save money. Consumers just need to take a couple of minutes comparing free Los Banos car insurance quotes online from several insurance companies.

The companies in the list below offer comparison quotes in Los Banos, CA. If your goal is to find cheap car insurance in California, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Los Banos
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,166 $583 $97
Chevrolet Silverado LS Crew Cab 4WD $1,484 $742 $124
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,616 $808 $135
Ford Edge Sport AWD $1,102 $551 $92
Ford Escape XLS 4WD $1,124 $562 $94
Ford F-150 STX Regular Cab 4WD $972 $486 $81
Ford Focus SEL 4-Dr Sedan $1,634 $817 $136
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V LX 4WD $992 $496 $83
Honda Civic EX-L 4-Dr Sedan $1,450 $725 $121
Honda Odyssey EX-L W/Navigation $1,620 $810 $135
Jeep Wrangler Rubicon 4WD 2-Dr $1,324 $662 $110
Nissan Altima 2.5 S 2-Dr Coupe $1,762 $881 $147
Nissan Rogue S AWD $1,652 $826 $138
Toyota Camry SE $1,236 $618 $103
Toyota Corolla LE $1,372 $686 $114
Toyota Prius $1,686 $843 $141
Volkswagen Jetta SE 4-Dr Sedan $1,698 $849 $142
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can modify coverage prices greatly.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The premium rates below outline the differences in premium rates when you select higher and lower coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

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

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Civic VP 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic DX 2-Dr Coupe $332 $810 $552 $32 $166 $1,917 $160
Civic EX 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX-S 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX 2-Dr Coupe $332 $932 $552 $32 $166 $2,039 $170
Civic EX-L 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic SI 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic EX 2-Dr Coupe $380 $932 $552 $32 $166 $2,087 $174
Civic GX 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic EX-L 2-Dr Coupe $380 $932 $552 $32 $166 $2,087 $174
Civic Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Civic SI 2-Dr Coupe $430 $1054 $552 $32 $166 $2,259 $188
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Honda Civic insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Civic VP 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic DX 2-Dr Coupe $184 $426 $552 $32 $166 $1,360 $113
Civic EX 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX-S 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX 2-Dr Coupe $184 $490 $552 $32 $166 $1,424 $119
Civic EX-L 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic SI 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic EX 2-Dr Coupe $210 $490 $552 $32 $166 $1,450 $121
Civic GX 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic EX-L 2-Dr Coupe $210 $490 $552 $32 $166 $1,450 $121
Civic Hybrid 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Civic SI 2-Dr Coupe $238 $556 $552 $32 $166 $1,544 $129
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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 homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can modify rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $50 more each month or $600 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claims, you would most likely save money if you choose the higher deductible.

Why you might pay higher rates in Los Banos

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that play a part in calculating the price you pay for insurance. When consumers understand what impacts premium levels, this allows you to make good choices that can earn you much lower annual insurance costs. Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more transparent such as your credit history or your financial responsibility.

Are women or men drivers cheaper? - Over the last 50 years, statistics have shown women tend to be less risk to insure than men. It does not mean men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species tend to have higher claims. Men also statistically get ticketed for serious violations such as DWI and reckless driving.

If you don't need it don't buy it - There are a ton of optional add-on coverages that you can buy when buying insurance. Insurance for vanishing deductibles, better glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if they're wasting money consider taking them off your policy.

Having a spouse equates to better costs - Having a significant other may save some money when shopping for insurance. Having a spouse translates into being more mature and responsible and insurance companies like that drivers who are married file infrequent claims.

High claims frequency drives up premiums - Insurance companies in California award the best rates to people who are claim-free. If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Three good reasons to insure your vehicle

Despite the high insurance cost in Los Banos, buying car insurance is a good idea for several reasons.

The benefits of having insurance outweigh the cost, especially if you ever need it. An average driver in America is currently overpaying as much as $865 each year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.

Best and worst vehicle claim statistics

What are the chances of a claim? The data below outline the good and bad vehicle makes and models for the probability of having large claims for each type of coverage.

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Kia Forte
Tesla Model S Dodge Charger
Audi A4 Allroad Hyundai Accent
Ford Expedition Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Sonic
Land Rover Range Rover Sport Nissan Versa

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Porsche Panamera GTS
Nissan Leaf Mercedes-Benz S Class
Infiniti QX50 BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Volvo V60 Audi S7
Smart ForTwo Bentley Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW M6
GMC Canyon Audi RS7
Nissan Xterra Maserati Granturismo
Ford F-150 SuperCrew Ferrari 458
Ford Edge Maserati Ghibli
Ford F-250 SuperCab Bentley Continental Flying Spur

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Car Insurance Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Hyndai Accent
Chevrolet Corvette Kia Optima
Subaru Forester Dodge Charger
Volvo XC60 Chevrolet Sonic
Subaru Outback Chevrolet Cruze
Mercedes-Benz SL Class Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lower rates by being persistent

Insureds leave their current company for a variety of reasons including poor customer service, being labeled a high risk driver, lack of trust in their agent and high rates after DUI convictions. It doesn't matter what your reason, switching car insurance companies can be pretty painless.

Throughout this article, we presented a lot of tips how to save on car insurance in Los Banos. The most important thing to understand is the more you quote Los Banos car insurance, the better chance you'll have of finding cheap Los Banos car insurance quotes. You may even find the most savings is with an unexpected company.

Lower-priced car insurance in Los Banos is available online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and many times these regional insurance providers sell through local independent agencies.

More tips and info about car insurance can be found at these sites: