Has it been over a year since you last compared quotes for more affordable insurance rates in Desert Hot Springs, CA? Did budget coverage turn out to be high-priced insurance? Don't feel bad because many Desert Hot Springs consumers feel financially strained by their insurance policy.

Unbelievable but true, a large majority of insurance policyholders have been with the same company for a minimum of four years, and virtually 40% of consumers have never compared insurance rates at all. Many drivers in Desert Hot Springs could save $470 every year just by getting comparison quotes, but they don't invest the time required to shop their coverage around.

Big companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it can be hard to see through the deception and take the time to shop coverage around.

Take advantage of every insurance discount

Companies offering auto insurance do not advertise all possible discounts in a way that's easy to find, so the following is a list of some of the more common in addition to some of the lesser obvious discounts that you may qualify for.Discount insurance

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think all the discounts add up to a free policy, that's just not realistic. Any qualifying discounts will definitely lower the amount you pay for coverage.

Insurance companies that have many of the previously listed discounts may include but are not limited to:

If you are trying to find inexpensive Desert Hot Springs auto insurance quotes, ask each company or agent to give you their best rates. Some credits may not apply to policyholders in Desert Hot Springs. To see insurance companies that offer discounts in California, click this link.

The fastest way that we advise to compare rate quotes is to know all the major auto insurance companies provide online access to give free rates quotes. All you need to do is provide a small amount of information such as whether your vehicle is owned or leased, whether you are married, an estimate of your credit level, and how old drivers are. That information is then submitted to insurance carriers in your area and you receive quotes quickly.

If you would like to start a quote now, click here and find out if lower rates are available in Desert Hot Springs.

The providers in the list below can provide price quotes in California. If you wish to find cheaper car insurance in California, we recommend you visit two to three different companies to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Desert Hot Springs
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $2,072 $1,036 $173
Chevrolet Impala LS $1,322 $661 $110
Chevrolet Silverado Crew Cab Hybrid 2WD $2,032 $1,016 $169
Dodge Ram Quad Cab ST 4WD $1,442 $721 $120
Ford Escape XLT 4WD $1,532 $766 $128
Ford F-150 Lariat Crew Cab Harley 4WD $1,870 $935 $156
Ford Focus SE 4-Dr Sedan $1,292 $646 $108
Honda Accord LX-P 4-Dr Sedan $1,452 $726 $121
Honda CR-V LX 4WD $982 $491 $82
Honda Civic LX 4-Dr Sedan $1,204 $602 $100
Hyundai Sonata SE 4-Dr Sedan $1,956 $978 $163
Mazda 3 I Touring 4-Dr Sedan $1,648 $824 $137
Nissan Altima 2.5 S 2-Dr Coupe $1,344 $672 $112
Toyota Camry XLE $1,638 $819 $137
Toyota Corolla LE $1,874 $937 $156
Toyota RAV4 Limited 4WD $1,348 $674 $112
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can lower or raise insurance rates noticeably.

Careless driving habits raise Desert Hot Springs car insurance rates

The chart below illustrates how speeding tickets and at-fault fender-benders raise Honda Civic insurance rates for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

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

Higher deductibles lower rates

A question often asked by Desert Hot Springs drivers is how high should the physical damage deductibles be. The premium rates below summarize the differences in premium rates between high and low insurance deductibles. The first data table uses a $250 comprehensive and collision deductible 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 policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Civic VP 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Civic LX 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Civic DX 2-Dr Coupe $298 $678 $552 $32 $166 $1,751 $146
Civic EX 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Civic LX-S 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Civic LX 2-Dr Coupe $298 $780 $552 $32 $166 $1,853 $154
Civic EX-L 4-Dr Sedan $342 $780 $442 $26 $132 $1,747 $146
Civic SI 4-Dr Sedan $342 $780 $442 $26 $132 $1,747 $146
Civic EX 2-Dr Coupe $342 $780 $552 $32 $166 $1,897 $158
Civic GX 4-Dr Sedan $342 $780 $442 $26 $132 $1,747 $146
Civic EX-L 2-Dr Coupe $342 $780 $552 $32 $166 $1,897 $158
Civic Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Civic SI 2-Dr Coupe $386 $882 $552 $32 $166 $2,043 $170
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Honda Civic insurance policy rates 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 assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify rates substantially.

Based on this data, using a $250 deductible costs approximately $35 more each month or $420 annually than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would most likely save money if you choose the higher deductible. Here's a better example of how this decision is made.

Average monthly premium for $250 deductibles: $144
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Local Desert Hot Springs insurance agents and insurance

Many drivers just want to visit with an insurance agent and that is recommended in a lot of cases A nice benefit of comparing insurance online is the fact that drivers can get the lowest rates and still choose a local agent. Buying insurance from local insurance agents is important especially in Desert Hot Springs.

Find insurance agent in Desert Hot SpringsAfter completing this quick form, your information is immediately sent to participating agents in Desert Hot Springs that provide free Desert Hot Springs auto insurance quotes and help you find cheaper coverage. There is no reason to find an agent due to the fact that quote results will go instantly to you. You'll get the best rates without requiring a lot of work. If you wish to get a rate quote from a specific insurance company, you can always jump over to their website and give them your coverage information.

Selecting an insurer should include more criteria than just a cheap price quote. Any agent in Desert Hot Springs should be forthright in answering these questions:

Cheaper car insurance is a realistic goal

When you buy Desert Hot Springs auto insurance online, do not buy poor coverage just to save money. Too many times, an accident victim reduced full coverage and learned later they didn't purchase enough coverage. The goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

A few companies don't offer rate quotes online and these small insurance companies provide coverage only through independent agents. Lower-priced car insurance in Desert Hot Springs is attainable online as well as from insurance agents, and you need to comparison shop both to have the best selection.

Additional car insurance information is available on the following sites: