If you're shopping for more affordable insurance, do you get frustrated by the crazy number of auto insurance providers in Orinda? Many other drivers are as well. California people have so many providers available that it is a challenge to compare rates on auto insurance. Orinda has many things to offer, but inflated auto insurance rates can make it nearly impossible for many drivers to make ends meet.

Statistics show that most auto insurance buyers kept buying from the same company for at least four years, and roughly 40% of drivers have never compared quotes from other companies. Many consumers in California could cut their rates by nearly $500 a year just by comparing rates, but they feel it's too difficult to shop their coverage around.

It's a good idea to shop coverage around occasionally because auto insurance prices go up and down regularly. If you had the lowest price on auto insurance a couple years back the chances are good that you can find a lower rate today. You can find a lot of information about auto insurance on the web, but you can learn the best ways to lower your auto insurance premiums.

If you have coverage now, you will most likely be able to buy cheaper insurance using the concepts you're about to learn. This information will help you learn how to effectively get price quotes and how to save the most money. But California consumers need to learn how big insurance companies sell insurance online and use this information to your advantage.

Score discounts to get cheaper Orinda car insurance quotes

Some insurance providers don't always list every disount available in an easy-to-find place, so the next list breaks down both the well known as well as the least known discounts that may be available.Discount car insurance

Don't be shocked that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

The best car insurance companies and some of the premium reductions they offer are detailed below.

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply in Orinda.

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best method to find affordable insurance rates is to use the internet to compare rates. When quoting car insurance, remember that making a lot of price comparisons will increase your chances of finding lower pricing.

The providers in the list below offer free quotes in California. If multiple companies are listed, we recommend you get prices from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Orinda
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,298 $649 $108
Chevrolet Malibu LS $1,458 $729 $122
Chevrolet Silverado LT Extended Cab 4WD $1,172 $586 $98
Dodge Ram Quad Cab Sport 4WD $1,618 $809 $135
Ford Escape XLS 2WD $1,094 $547 $91
Ford F-150 XL Regular Cab 2WD $1,112 $556 $93
Ford Focus SE 4-Dr Sedan $1,264 $632 $105
Ford Fusion SEL AWD 4-Dr Sedan $1,550 $775 $129
Honda Accord LX-P 4-Dr Sedan $1,102 $551 $92
Honda CR-V EX 2WD $1,028 $514 $86
Honda Civic SI 4-Dr Sedan $1,516 $758 $126
Hyundai Sonata GLS 4-Dr Sedan $1,458 $729 $122
Jeep Grand Cherokee Limited 2WD $1,226 $613 $102
Nissan Altima 2.5 S 2-Dr Coupe $1,344 $672 $112
Nissan Rogue SL AWD $1,332 $666 $111
Toyota Camry LE $1,722 $861 $144
Toyota Corolla S $1,302 $651 $109
Toyota Tacoma 2WD $1,648 $824 $137
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in specific Orinda garaging location which can lower or raise coverage prices significantly.

Male drivers compared to female drivers in Orinda

The illustration below shows the comparison of premium costs for male and female drivers in Orinda. Data assumes a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in on a Hyundai Elantra SE.

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

Should you raise deductibles?

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The figures shown below sum up how much more you'll pay when you select higher and lower physical damage coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

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

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SE 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SEL 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SES 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SE 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Focus SES 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can modify rates significantly.

Based on this data, using a $250 deductible will cost you approximately $32 more each month or $384 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 23 months between claims, you would most likely save money if you choose a higher deductible.

How insurance companies determine car insurance rates

Consumers need to have an understanding of some of the factors that are used to determine your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

Exclusive or independent insurance agents

Many drivers still like to talk to a local agent and that is a personal choice. A good thing about comparing rates online is that you can find cheap rate quotes but still work with a licensed agent. Buying from and supporting neighborhood agents is especially important in Orinda.

To find an agent, once you fill out this form (opens in new window), your information is transmitted to insurance agents in Orinda who will return price quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to search for an agent because prices are sent to you instantly. Get lower rates AND a local agent. If you have a need to get a comparison quote for a specific company, don't hesitate to jump over to their website and submit a quote form there.

Do you need an independent or exclusive car insurance agent?

When searching for a reliable insurance agency, it can be helpful to understand the different agency structures and how they can write your policy. Insurance agencies in Orinda can be classified as either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by one company and that gives them the ability to insure with many different companies and find you the best rates. If they find a cheaper price, they simply switch companies in-house and you don't have to switch agencies.

When comparing rate quotes, it's a good idea to include price quotes from several independent insurance agents for the best price selection. Many independent agencies also insure through companies that do not advertise much which could offer lower prices.

Exclusive Agents

Exclusive agents can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are highly trained on their company's products and that allows them to sell at a higher price point. Consumers sometimes use the same agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Choosing an insurance agent shouldn't rely on just a cheap price quote. The questions below may impact your decision as well.

Protect your vehicle and other assets

Even though rates can get expensive, auto insurance is not optional due to several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in California overpays as much as $830 a year so compare quotes from several companies at every renewal to be sure current rates are still competitive.

Affordable insurance rates are available

People who switch companies do it for any number of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests and even high rates after DUI convictions. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

When buying insurance coverage, make sure you don't buy less coverage just to save a little money. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

In this article, we covered many tips how you can reduce insurance premium rates online in Orinda. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with a smaller regional carrier.

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