Paying for pricey auto insurance in Selma can bottom out your funds and make it hard to pay other bills. Performing a price comparison is a smart way to make sure you're not throwing money away.

Amazingly, a recent NerdWallet.com study showed that the vast majority of consumers have stayed with the same insurance company for more than four years, and about 40% of consumers have never compared rates to find cheap insurance. Most drivers in California can cut their rates by roughly 35% a year by just shopping around, but they just don't understand how much savings they would realize if they switched. Due to the increasing number of options when it comes to auto insurance, it is hard for the average consumer to find the best company.

Smart consumers take time to take a look at other company's rates once or twice a year because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate on auto insurance at your last renewal you can probably find a better price now. Forget all the misinformation about auto insurance because I'm going to teach you the tricks you need to know to reduce your cost while increasing coverage.

Best companies for California auto insurance

The following companies offer comparison quotes in Selma, CA. If multiple companies are listed, we recommend you click on several of them to get the most affordable price.

Insurance Cost Estimates for Popular Vehicles in Selma
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $1,598 $799 $133
Dodge Ram Quad Cab SLT 4WD $1,270 $635 $106
Ford Escape XLS 2WD $1,028 $514 $86
Ford F-150 STX Regular Cab 2WD $1,066 $533 $89
Ford Focus S 4-Dr Sedan $1,118 $559 $93
GMC Sierra SLT Crew Cab 4WD $1,312 $656 $109
Honda Accord LX 4-Dr Sedan $1,178 $589 $98
Honda CR-V EX-L 4WD $1,294 $647 $108
Honda Civic EX-L 2-Dr Coupe $1,650 $825 $138
Honda Odyssey EX-L W/Navigation $1,840 $920 $153
Kia Optima LX $1,250 $625 $104
Mazda 3 S Sport 4-Dr Sedan $1,690 $845 $141
Nissan Altima 2.5 S 4-Dr Sedan $1,874 $937 $156
Toyota Camry SE $1,482 $741 $124
Toyota Corolla LE $1,588 $794 $132
Toyota RAV4 Sport 4WD $1,490 $745 $124
Toyota Tacoma Double Cab 4WD $1,728 $864 $144
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can impact insurance rates considerably.

Responsible drivers pay cheaper Selma car insurance rates

The diagram below highlights how speeding tickets and accident claims can affect GMC Acadia insurance rates for each different age category. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance discounts help lower rates

Properly insuring your vehicles can get expensive, but there could be available discounts that many people don't even know exist. A few discounts will automatically apply at quote time, but occasionally some discounts must be inquired about before you will receive the discount.Save money with discounts

We need to note that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. But any discount will positively reduce the cost of your policy.

Large auto insurance companies and a summarized list of policyholder discounts include:

If you want cheap Selma car insurance quotes, ask all companies you are considering which credits you are entitled to. Some credits may not apply to policies in your state. If you would like to view auto insurance companies with the best discounts in Selma, click here.

Truth in insurance advertising

California drivers can't avoid all the ads that claim the cheapest premium rates by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about how much you will save just by switching your policy.

But how can every company make the same claim? Just pay attention to how they say it.

Insurance providers have a certain "appetite" for the type of insured that will add to their bottom line. A good example of a profitable insured could be between the ages of 40 and 55, has other policies, and drives less than 10,000 miles a year. Someone that hits that "sweet spot" will get a cheap rate quote in Selma and will probably save a lot on Selma insurance if they switch.

Potential customers who may not quite match those standards will probably be forced to pay a more expensive rate which translates to the customer buying from someone else. The ad wording is "customers that switch" not "all people who quote" save that much. That's why insurance companies can make claims that they all have the best premium rates. This emphasizes why you really should do a quote comparison often. Because you never know which insurance company will give you lower car insurance rates than your current company.

Which is the best auto insurance?

When selecting adequate coverage for your personal vehicles, there really is no one size fits all plan. Your needs are unique to you.Drive safe and save

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent's advice.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverages - This covers damage to your vehicle from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants and damage to your vehicle.

Since many California drivers carry very low liability coverage limits (15/30/5 in California), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability insurance - This provides protection from injuries or damage you cause to other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers claims such as bail bonds, structural damage, repair bills for other people's vehicles, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but it's cheap coverage so purchase as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy higher limits.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for immediate expenses for things like prosthetic devices, pain medications, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Insurance losses by coverage

Are you driving a statistically high-claim vehicle? The following tables show the highest and lowest manufacturer models for likelihood of filing claims for each type of coverage listed.

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab BMW M6
Ford F-150 SuperCrew Ferrari 458
Smart ForTwo Maserati Ghibli
Jeep Wrangler BMW 6 Series
Mini Cooper Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur

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

Lowest and Highest Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Maserati Granturismo
Nissan Leaf Mercedes-Benz S Class
Nissan Xterra BMW M6
GMC Sierra 2500 BMW M6
Chevy Spark Bentley Continental GTC
Infiniti QX50 Maserati Quattroporte

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

Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Lancer
Volvo XC60 Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Chevrolet Cruze
Subaru Outback Dodge Charger

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

Lowest and Highest Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Chevrolet Spark
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 3500 Nissan Sentra
Tesla Model S Mitsubishi Mirage
Ford Expedition Chevrolet Sonic
Chevrolet Corvette Mitsubishi Lancer

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

Quote. Compare. Save.

Throughout this article, we presented a lot of techniques to shop for car insurance online. The key concept to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with some of the lesser-known companies.

Drivers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, policy non-renewal and an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new car insurance company can be less work than you think.

As you prepare to switch companies, never skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

To learn more, feel free to browse the following helpful articles: