Want to know how to find more competitive auto insurance rates in Moreno Valley, CA? Tired of robbing Peter to pay Paul to insure your vehicles every month? You are no different than many other California drivers.

Astonishing but true, almost 70% of insureds kept their coverage with the same auto insurance company for a minimum of four years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in California could cut their rates by as much as $500 a year just by comparing rates, but they don't understand how simple it is to shop around. Numerous insurers battle for your business, and it can be difficult to compare rates and get the definite lowest price on auto insurance.

It's important to compare prices occasionally since insurance prices change quite often. If you had the lowest rate on auto insurance a couple years back you can probably find a lower rate today. You can find a lot of information about auto insurance online but we're going to give you the best ways to lower your auto insurance premiums.

The companies in the list below can provide price quotes in California. To find cheap auto insurance in California, it's highly recommended you get price quotes from several of them to find the most affordable auto insurance rates.

Insurance Costs for Popular Vehicles in Moreno Valley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,592 $796 $133
Chevrolet Silverado LT Crew Cab 4WD $1,452 $726 $121
Dodge Ram Quad Cab ST 4WD $1,514 $757 $126
Ford Edge SE AWD $1,460 $730 $122
Ford Escape XLS 2WD $1,174 $587 $98
Ford Explorer Limited AWD $1,200 $600 $100
Ford F-150 FX2 2WD $1,604 $802 $134
Ford Focus SEL 4-Dr Sedan $1,974 $987 $165
Honda Accord LX-S 2-Dr Coupe $1,934 $967 $161
Honda CR-V LX 4WD $992 $496 $83
Honda Civic LX-S 4-Dr Sedan $1,340 $670 $112
Hyundai Elantra GLS Touring Station Wagon $1,118 $559 $93
Kia Optima LX $1,100 $550 $92
Nissan Altima 2.5 4-Dr Sedan $1,532 $766 $128
Nissan Rogue SL AWD $1,568 $784 $131
Toyota Camry Hybrid $1,762 $881 $147
Toyota Corolla XLE $1,672 $836 $139
Toyota Prius $1,266 $633 $106
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Moreno Valley which can modify coverage rates substantially.

Moreno Valley insurance premiums by gender and age

The diagram below shows the comparison of insurance costs for male and female drivers in Moreno Valley. The rate quotes are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium on a Chevrolet Malibu LT.

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

Safe drivers pay less for car insurance

The information below shows how violations and at-fault accidents can increase GMC Acadia premium costs for different age categories. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

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

Why you need insurance for your vehicle

Even though it's not necessarily cheap to insure a vehicle in Moreno Valley, maintaining insurance may be mandatory for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is overpaying over $825 a year so shop around each time the policy renews to ensure rates are competitive.

Save $449 a year. For real?

California consumers can't ignore all the ads for the lowest price car insurance from the likes of Progressive, Allstate and GEICO. All the companies seem to make the promise that you can save after switching to their company.

How does every company make the same claim? This is the trick they use.

Most companies quote the lowest rates for the right customer they prefer to insure. An example of a desirable insured might be described as a married male, has a low-risk occupation, and has great credit. Any new insured who fits that profile will probably get the lowest prices and will cut their car insurance rates if they switch.

Potential insureds who cannot meet the "perfect" profile may receive higher premiums and this results in the driver buying from a lower-cost company. The ad wording is "customers who switch" not "all people who quote" save money. This is how companies can make claims that they all have the best auto insurance rates.

This illustrates why you should compare rate quotes every year. You cannot predict which insurance companies will have the lowest car insurance in Moreno Valley.

These discounts can lower your insurance rates

Not too many consumers would say insurance is affordable, but there may be some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but occasionally some discounts must be specially asked for prior to getting the savings.Discount insurance

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it's possible to get free car insurance, company stockholders wouldn't be very happy.

Large insurance companies and a selection of discounts are included below.

If you need lower rates, check with every prospective company which discounts can lower your rates. Discounts might not be available to policyholders in every state.

Compare rate quotes but work with a neighborhood Moreno Valley auto insurance agent

A lot of people prefer to buy from a local agent and often times that is recommended Experienced insurance agents will help you protect your assets and help you file claims. One of the great benefits of getting online price quotes is you can get the lowest rates and still buy from a local agent. Buying from and supporting local agents is important especially in Moreno Valley.

Insurance agency in Moreno ValleyUpon completion of this simple form, the coverage information is emailed to local insurance agents that provide free Moreno Valley car insurance quotes for your insurance coverage. You won't even need to leave your house due to the fact that quote results will go immediately to you. If you need to get a comparison quote from a specific auto insurance provider, just jump over to their website and fill out their quote form.

Finding the right company shouldn't rely on just the bottom line cost. Any good agent in Moreno Valley should know the answers to these questions.

Shop smart and save

Some insurance companies may not have online quoting and these small, regional companies prefer to sell through independent agencies. Low-cost insurance in Moreno Valley is possible from both online companies and also from your neighborhood Moreno Valley agents, and you need to comparison shop both to have the best rate selection.

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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