Do you get exhausted from wondering where the money will come from to pay auto insurance each month? Your situation is no different than many other California drivers.

Surprisingly, a recent survey revealed that a large majority of auto insurance policyholders kept buying from the same company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. California insurance shoppers could save themselves up to 35% a year by just shopping around, but they don't believe how much they could save if they swap their current policy for a cheaper one.

You have multiple insurance companies to choose from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the lowest rates.

You should make it a habit to compare rates on a regular basis since rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates on auto insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

To get affordable Glendale auto insurance quotes, there a variety of ways to obtain and compare prices from lots of California car insurance companies. One of the best ways to find the cheapest insurance rates consists of shopping online.

Getting free rate quotes online is quite simple, and it makes it obsolete to drive around to insurance agencies in your area. Comparing car insurance rate quotes online can eliminate the need for a local agent unless you prefer the guidance that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but purchase the actual policy in an agency.

Keep in mind that comparing more prices helps locate the best rates.

The providers in the list below have been selected to offer comparison quotes in California. If you want the cheapest auto insurance in California, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Glendale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,488 $744 $124
Chevrolet Malibu LT $1,330 $665 $111
Chevrolet Silverado LS Extended Cab 2WD $1,250 $625 $104
Dodge Grand Caravan Crew $1,048 $524 $87
Dodge Ram Quad Cab ST 4WD $1,608 $804 $134
Ford Edge SE AWD $1,716 $858 $143
Ford Escape XLT 4WD $1,650 $825 $138
Ford Explorer Limited 4WD $1,576 $788 $131
Ford F-150 FX2 2WD $1,404 $702 $117
Ford Focus SE 4-Dr Sedan $1,364 $682 $114
GMC Sierra SLT Extended Cab 4WD $1,324 $662 $110
Honda Accord EX 4-Dr Sedan $1,178 $589 $98
Honda CR-V EX 2WD $1,280 $640 $107
Honda Civic SI 2-Dr Coupe $1,544 $772 $129
Nissan Altima 2.5 S 2-Dr Coupe $1,754 $877 $146
Toyota Camry SE $1,874 $937 $156
Toyota Corolla XRS $1,710 $855 $143
Volkswagen Jetta 2.0T Station Wagon $1,498 $749 $125
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in garaging location in Glendale which can impact price quotes substantially.

Full coverage rates compared to liability only

The illustration below visualizes the comparison of Dodge Ram premium costs with liability coverage only compared to full coverage. The data assumes a clean driving record, no claims, $100 deductibles, married female driver, and no discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money paying for full coverage?

There is no specific rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Dodge Ram settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If it's costing you more than $800 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some situations where eliminating full 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 conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Bad driving habits will cost you more

The illustration below illustrates how speeding tickets and at-fault fender-benders impact Ford F-150 annual premium costs for different ages of insureds. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

These eight discounts can lower your insurance quotes

Properly insuring your vehicles can get expensive, but there could be significant discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but lesser-known reductions have to be asked for prior to getting the savings. If you check and find you aren't receiving every discount available, you are just wasting money.Discount insurance

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies aren't that generous.

A few popular companies and the discounts they provide are outlined below.

When getting a coverage quote, ask every company which discounts you may be entitled to. All car insurance discounts may not apply everywhere. To view insurance companies that can offer you the previously mentioned discounts in California, click here to view.

Neighborhood agents and insurance

Many drivers just want to sit down with an agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is you can get better rates but still work with a licensed agent. Buying insurance from local agents is especially important in Glendale.

Upon completion of this simple form, the coverage information is transmitted to companies in Glendale who will gladly provide quotes for your insurance coverage. You won't need to visit any agencies because prices are sent to the email address you provide. You can find lower rates without a big time investment. If you need to compare prices from a specific insurance provider, you would need to find their quoting web page and submit a quote form there.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to purchase insurance from a reliable insurance agent, you must know there are a couple different types of agencies and how they are distinctly different. Agents in Glendale are either exclusive agents or independent agents.

Independent Insurance Agencies

Agents that elect to be independent are not required to write business for one company so they can write business with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, they simply move your policy to a different company and you won't have to switch agencies. If you need cheaper insurance rates, you need to compare quotes from multiple independent agents in order to have the best price comparison.

Exclusive Insurance Agents

Agents that elect to be exclusive can only write with one company and some examples include State Farm, Allstate and AAA. Exclusive agents are unable to provide other company's prices so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on their company's products which helps them sell insurance even at higher premiums.

Deciding on an car insurance agent requires you to look at more than just the premium amount. Any agent in Glendale should be forthright in answering these questions:

Why you need insurance

Even though it can be expensive, insurance is required in California but also provides important benefits.

The benefits of having insurance more than cancel out the cost, especially with large liability claims. The average driver in America is overpaying over $810 a year so it's important to compare rates once a year at a minimum to help ensure money is not being wasted.

The coverage is in the details

Learning about specific coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Liability car insurance - This can cover damage or injury you incur to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/5 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, funeral expenses, structural damage, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy more coverage.

Car Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Acura MDX Chevrolet Impala
Subaru Outback Chrysler 200
Fiat 500 Kia Optima
Subaru Forester Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Chevrolet Corvette Dodge Charger

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

Comprehensive coverage - This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo Bentley Continental GT
Ford F-350 Maserati Quattroporte
Infiniti QX50 Maserati Granturismo
Chevy Spark Mercedes-Benz S Class
Chevy Silverado 2500 BMW M6
Nissan Leaf BMW M6

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

Medical payments coverage and PIP - Coverage for medical payments and/or PIP reimburse you for bills like doctor visits, surgery and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Tesla Model S Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Mirage
Land Rover Range Rover Sport Mitsubishi Lancer
Ford Expedition Kia Forte
Audi A4 Allroad Nissan Sentra
Chevrolet Corvette Chevrolet Sonic

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

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liability limits.

Collision coverages - Collision coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford Edge Nissan GT-R
GMC Canyon Maserati Ghibli
Jeep Wrangler BMW M6
Chevrolet Colorado Ferrari 458
Ford F-250 SuperCab Maserati Granturismo
Smart ForTwo Bentley Continental Flying Spur

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

In the end, you can save money

Low-cost insurance in Glendale is definitely available from both online companies and with local Glendale insurance agents, so get free Glendale auto insurance quotes from both of them to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these small insurance companies only sell through independent agents.

We've covered some good ideas how you can save on insurance in Glendale. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper Glendale auto insurance quotes. You may even discover the lowest prices come from some of the lesser-known companies. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

More information can be found on the following sites: