Would you like to save money by finding lower-priced auto insurance rates in Walnut, CA? Car insurance shoppers not familiar with comparison shopping online could find purchasing the cheapest Walnut auto insurance can be quite challenging.

Unfortunately, nearly 70% of consumers have stayed with the same insurance company for four years or more, and 38% of drivers have never taken the time to shop around. The average driver in America could save an average of almost $859 each year, but they assume it's a waste of time to compare rates online.

If you have insurance now, you will definitely be able to reduce the price you pay using these techniques. Locating the best coverage in Walnut is easy to do. Although California car owners must learn the way insurance companies market insurance on the web.

When comparison shopping, comparing more rates from different companies gives you a better chance of getting a lower rate. Some regional insurers cannot provide online rate quotes, so you also need to get price quotes from them as well.

The providers in the list below have been selected to offer free quotes in California. In order to find cheaper car insurance in California, we suggest you click on several of them to find the lowest auto insurance rates.

Insurance Costs for Popular Vehicles in Walnut
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,146 $573 $96
Chevrolet Silverado LS Extended Cab 2WD $1,490 $745 $124
Dodge Ram Quad Cab SLT 4WD $1,522 $761 $127
Ford Escape XLT 2WD $1,228 $614 $102
Ford F-150 FX2 2WD $1,338 $669 $112
Ford Focus SES 2-Dr Coupe $1,674 $837 $140
Honda Accord LX-S 2-Dr Coupe $1,540 $770 $128
Honda CR-V EX 4WD $1,164 $582 $97
Honda Civic Hybrid 4-Dr Sedan $1,486 $743 $124
Hyundai Elantra GLS 4-Dr Sedan $1,452 $726 $121
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,276 $638 $106
Kia Optima LX $1,222 $611 $102
Nissan Altima 3.5 SR 4-Dr Sedan $1,690 $845 $141
Nissan Rogue S AWD $1,860 $930 $155
Toyota Camry XLE $1,418 $709 $118
Toyota Corolla S $1,280 $640 $107
Toyota Prius $1,474 $737 $123
Toyota RAV4 Limited 2WD $1,752 $876 $146
Toyota Tacoma X-Runner 2WD $1,372 $686 $114
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in your specific Walnut location which can impact insurance rates substantially.

Rate comparison of full coverage and liability-only

The illustration below shows the difference between Nissan Sentra yearly insurance costs with full phyical damage coverage and with liability coverage only. Data assumes no claims, a clean driving record, $1,000 deductibles, single male driver, and no discounts are applied.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Deciding between full coverage and liability only

There is no set guideline for excluding comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's say your Nissan Sentra book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the deductible is paid. If premium cost is more than $700 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Higher deductibles lower rates

The information below highlights how deductible selection and can impact Chevrolet Malibu insurance premiums for each different age category. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

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

Careless driving habits raise auto insurance rates

The chart below demonstrates how traffic citations and at-fault collisions can affect Nissan Sentra insurance rates for different ages of insureds. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Why do I need car insurance?

Despite the high insurance cost in Walnut, insurance serves an important purpose.

The benefits of having insurance outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $865 each year so you should quote rates at least once a year to ensure rates are competitive.

Are you receiving every discount?

Some companies don't always advertise every disount available in a way that's easy to find, so below is a list both well-publicized as well as some of the hidden credits available to bring down your rates.Save money with discounts

Remember that some credits don't apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you could get a free auto insurance policy, nobody gets a free ride.

Companies and a partial list of their discounts are outlined below.

If you need affordable Walnut auto insurance quotes, ask every prospective company which discounts they offer. Discounts might not be offered in Walnut. To see a list of auto insurance companies that provide some of the discounts listed above in California, click here to view.

Exclusive and independent auto insurance agents

Some consumers just prefer to buy from a local agent and that is OK! The biggest benefit of comparing insurance prices online is you can get lower rates and still choose a local agent. And buying from neighborhood insurance agencies is still important in Walnut.

Find insurance agent in WalnutAfter completing this quick form, the coverage information is emailed to agents in your area who will give competitive quotes to get your business. You don't have to drive around as quotes are delivered to you. You can most likely find cheaper rates AND a local agent. If you wish to compare prices from a specific insurance company, don't hesitate to search and find their rate quote page and submit a quote form there.

What type of Walnut auto insurance agent is right for you?

If you want local Walnut agents, it's helpful to know the types of insurance agents and how they can write your policy. Walnut agents can be described as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Agents that elect to be independent do not write with just one company so they can quote policies through many companies and find the cheapest rate. If they find a lower price, your agent can switch companies and you don't have to switch agencies. If you are comparing rate quotes, it's recommended you get quotes from at a minimum one independent agency to get the best comparison. A lot of them also have access to companies that do not advertise much who may have lower rates.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on what they offer which helps overcome the inability to quote other rates. Many people buy from exclusive agents partially due to the brand legacy rather than low price.

Deciding on an insurance agency requires you to look at more than just the premium amount. Get answers to these questions too.

Car insurance 101

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, fire damage, damage from flooding and damage from getting keyed. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Porsche Panamera GTS
Chevy Spark Bentley Continental GT
GMC Sierra 2500 Maserati Granturismo
Ford F-350 BMW M6
Nissan Xterra Mercedes-Benz S Class
Smart ForTwo BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Liability

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 15/30/5 which stand for $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical expenses, court costs, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Impala
Audi A6 Mitsubishi Mirage
Volvo XC60 Kia Rio
Fiat 500 Dodge Charger
Mercedes-Benz SL Class Hyndai Accent
Chevrolet Corvette Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills such as prosthetic devices, funeral costs, pain medications, dental work and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Nissan Sentra
Ford F-350 SuperCrew Nissan Versa
Land Rover Range Rover Sport Mitsubishi Mirage
Tesla Model S Chevrolet Sonic
Chevrolet Silverado 3500 Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Collision insurance

This covers damage to your vehicle resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to bump up the deductible to get cheaper collision coverage.

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Maserati Granturismo
Smart ForTwo Bently Continental GTC
Chevrolet Colorado Bentley Continental Flying Spur
GMC Canyon Audi RS7
Mini Cooper Ferrari 458
Jeep Wrangler BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (California limits are 15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy's liability coverage.

More quotes mean more auto insurance savings

When you buy Walnut auto insurance online, do not skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, high prices or even denial of a claim. It doesn't matter why you want to switch finding a new auto insurance company can be pretty painless.

Cost effective auto insurance can be bought on the web and with local Walnut insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not have online rate quotes and most of the time these regional carriers sell through independent agents.

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