Want to learn how to buy more affordable car insurance rates in Highland, CA? Are you a victim of an overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer's remorse.
It's hard to fathom, but most car insurance policyholders have remained with the same car insurance company for four years or more, and approximately 38% of consumers have never even compared quotes to find affordable rates. Consumers in California could cut their rates by approximately 35% a year, but they mistakenly think it's difficult to compare rate quotes.
Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive best price available on car insurance.
If you have auto insurance now, you will surely be able to save money using these tips. Locating the most cost-effective auto insurance policy in Highland is quite easy. Although California drivers do need to understand how insurance companies calculate your auto insurance rates and apply this information to your search.
Companies offering cheap rate quotes in Highland, CA
The providers in the list below offer quotes in California. To get the best cheap auto insurance in California, we recommend you get rate quotes from several of them to get the most competitive price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ 2WD||$1,324||$662||$110|
|Chevrolet Impala LT||$1,166||$583||$97|
|Chevrolet Malibu Hybrid||$1,166||$583||$97|
|Chevrolet Silverado LS Regular Cab 2WD||$1,544||$772||$129|
|Dodge Grand Caravan Crew||$1,548||$774||$129|
|Dodge Ram Crew Cab Laramie 4WD||$1,900||$950||$158|
|Ford Escape XLT 2WD||$1,118||$559||$93|
|Ford F-150 XL Crew Cab 2WD||$972||$486||$81|
|Ford Focus SES 2-Dr Coupe||$1,516||$758||$126|
|Honda Accord EX-L 4-Dr Sedan||$1,072||$536||$89|
|Honda CR-V EX-L 4WD||$1,360||$680||$113|
|Honda Civic GX 4-Dr Sedan||$1,758||$879||$147|
|Hyundai Sonata SE 4-Dr Sedan||$1,312||$656||$109|
|Nissan Altima 2.5 4-Dr Sedan||$1,458||$729||$122|
|Toyota Camry XLE||$1,464||$732||$122|
|Toyota Corolla LE||$1,606||$803||$134|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Highland which can change coverage prices noticeably.
Rate comparison of men versus women
The diagram below shows the comparison of car insurance rates for male and female drivers in Highland. The rates are based on no claims or driving violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied on a Hyundai Sonata Limited.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Rate comparison for different deductibles
The illustration below demonstrates how choosing different deductibles and can increase or decrease Honda Accord annual premium costs for each different age category. The data assumes a single female driver, full physical damage coverage, and no discounts are applied.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison for different deductibles
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below can help show the differences in premium rates when you choose different insurance deductibles. The first rate comparisons uses a $250 physical damage deductible and the second data table uses a $500 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$342||$472||$442||$26||$132||$1,439||$120|
|Pilot EX 2WD||$386||$472||$442||$26||$132||$1,483||$124|
|Pilot EX 4WD||$386||$472||$442||$26||$132||$1,483||$124|
|Pilot EX-L 2WD||$386||$576||$442||$26||$132||$1,587||$132|
|Pilot EX-L 4WD||$386||$576||$442||$26||$132||$1,587||$132|
|Pilot Touring 2WD||$386||$576||$442||$26||$132||$1,587||$132|
|Pilot Touring 4WD||$386||$576||$442||$26||$132||$1,587||$132|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$278||$382||$442||$26||$132||$1,260||$105|
|Pilot EX 2WD||$314||$382||$442||$26||$132||$1,296||$108|
|Pilot EX 4WD||$314||$382||$442||$26||$132||$1,296||$108|
|Pilot EX-L 2WD||$314||$464||$442||$26||$132||$1,378||$115|
|Pilot EX-L 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|Pilot Touring 2WD||$314||$464||$442||$26||$132||$1,378||$115|
|Pilot Touring 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|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 homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific location information which can influence prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 16 months between claims, you would probably be better off by going with a higher deductible. The table below shows how this determination is made.
|Average monthly premium for $250 deductibles:||$128|
|Average monthly premium for $500 deductibles (subtract):||- $112|
|Monthly savings from raising deductible:||$16|
|Difference between deductibles ($500 - $250):||$250|
|Divide difference by monthly savings:||$250 / $16|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||16 months|
What determines car insurance prices?
When buying car insurance it's important to understand a few of the rating criteria that aid in calculating car insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that could help you find better car insurance rates.
The type of car, truck or SUV you drive affects your rates - The performance of the car, truck or SUV you are buying insurance for makes a big difference in how high your rates are. The cheapest rates will generally be found on lower cost passenger cars, but there are many factors that impact the final cost.
Car insurance rates and age - Mature drivers have been proven to be more responsible, are lower risk to insure, and get fewer tickets.Inexperience drivers are statistically shown to be less responsible with other occupants in the car therefore car insurance rates are much higher.
Urban areas may pay more - Being located in a rural area may provide you with better prices when shopping for auto insurance. Drivers in populated areas regularly have traffic congestion and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.
Lower rates with a multi-policy discount - Most major insurance companies afford a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even with this discount, it's always a smart idea to compare rates to guarantee you are still saving the most.
Vocation can influence prices - Do you have a high-stress occupation? Occupations like lawyers, architects and dentists generally pay higher rates than the rest of us in part from intense work-related stress and lengthy work days. Conversely, professions such as farmers, athletes and homemakers receive lower rates.
Safeguard your assets with liability insurance - Your policy's liability coverage provides coverage in the event that a jury decides you are liable for physical damage or personal injury to other. Your policy's liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage as compared to coverage for physical damage, so do not skimp.
Choose high IIHS safety ratings and save - Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles help reduce the chance of injuries in an accident and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders.
Raise physical damage deductibles and save - Protection for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims could be colliding with a building, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Insurance policy discounts you can't miss
Car insurance is not cheap, but there could be significant discounts to reduce the price significantly. Some trigger automatically when you purchase, but some discounts are required to be requested specifically before you will receive the discount.
- Drivers Education - Require your teen driver to complete a driver education course in high school.
- Theft Deterrent Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- New Car Discount - Adding a new car to your policy is cheaper compared to insuring an older model.
- Pay Early and Save - If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
- Waiver for an Accident - This one isn't a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without raising rates as long as you don't have any claims before the accident.
- Telematics Devices - Drivers who elect to allow their insurance company to track where and when they drive by using a telematic data system like Allstate's Drivewise may get a rate reduction if their driving habits are good.
- Passenger Safety Discount - Vehicles equipped with air bags and/or automatic seat belt systems could see savings as much as 30%.
- Senior Citizen Rates - If you're over the age of 55, you may be able to get a small discount on rates.
A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it just doesn't work that way.
The best insurance companies and a summarized list of policyholder discounts are detailed below.
- Mercury Insurance discounts include annual mileage, ease of repair, multi-car, location of vehicle, and type of vehicle.
- Farmers Insurance has discounts for business and professional, distant student, electronic funds transfer, youthful driver, good student, homeowner, and teen driver.
- Farm Bureau offers discounts for multi-policy, multi-vehicle, renewal discount, youthful driver, driver training, and good student.
- State Farm offers premium reductions for anti-theft, defensive driving training, safe vehicle, passive restraint, multiple policy, and good driver.
- Allstate may offer discounts for new car, 55 and retired, early signing, anti-theft, and EZ pay plan discount.
- GEICO has savings for good student, daytime running lights, anti-theft, air bags, and anti-lock brakes.
If you are trying to find cheaper Highland auto insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in every state. For a list of insurance companies who offer insurance discounts in California, click here to view.
Insurance agents can find coverage gaps
A lot of people would rather get professional advice from a licensed agent and that is not a bad decision An additional benefit of comparing car insurance online is that you can obtain cheap rate quotes but also keep your business local. And providing support for local agencies is definitely important in Highland.
Once you complete this short form, the quote information is submitted to agents in your area that give free quotes to get your business. You don't have to leave your computer since rate quotes are delivered to you. You can get cheaper car insurance rates without requiring a lot of work. If you need to quote rates from one company in particular, you would need to navigate to their website and give them your coverage information.
If you prefer to buy car insurance from a reputable agency, there are two different types of agencies and how they can quote your rates. Agencies in Highland can be classified as either independent or exclusive.
Independent Car Insurance Agencies or Brokers
Agents of this type can quote rates with many companies and that enables them to quote your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies which requires no work on your part. If you need cheaper car insurance rates, we recommend you include multiple independent agents to have the most options to choose from.
Exclusive agents can only provide one company's prices and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents receive a lot of sales training on their company's products which can be an advantage.
Picking the best auto insurance agent shouldn't rely on just the premium amount. The following questions are important to ask.
- If they are an independent agency in Highland, which companies do they recommend?
- Is coverage determined by price?
- Is the agent CPCU or CIC certified?
- Can they provide you with a list of referrals?
- Is there a Errors and Omissions policy in force?
- Is there any savings for paying the full premium?
- Is the agent properly licensed in California?
- Where would your vehicle be repaired?
The insurance bait and switch
Big name companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the ads tend to make the same promise about saving some big amount just by switching your insurance policy to them. How does each company save you money on insurance? It's all in the numbers.
Insurance companies have a certain "appetite" for the type of insured that will not have excessive claims. For example, a driver they prefer could possibly be between the ages of 30 and 50, has few claims, and the vehicle is rated for pleasure use. A customer that meets those criteria will get low prices and will save money with a new company.
Insureds who do not match these criteria will see higher prices with the end result being the customer buying from someone else. If you listen closely, the ads state "people who switch" not "everyone that quotes" save that much when switching. That's the way companies can truthfully make it sound like they have such great rates.
This illustrates why it is so important to compare quotes as often as possible. It is just not possible to predict the company that will have better prices than you're paying now.
Which is the best car insurance?
When quoting and comparing a policy, there really is not a one-size-fits-all type of policy. You are unique.
Here are some questions about coverages that might help in determining if you may require specific advice.
- Will I be non-renewed for getting a DUI or other conviction?
- Where can I find DUI or SR-22 insurance?
- Is my custom stereo system covered?
- What is GAP insurance?
- Are rock-chip repairs free?
- Does my personal policy cover me when driving out-of-state?
- What does UM/UIM cover?
- When should I remove my kid from my policy?
If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Smart consumers save more
Low-cost insurance in Highland is attainable on the web in addition to many Highland insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have rate quotes online and usually these smaller companies only sell through local independent agents.
As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.
Consumers who switch companies do it for many reasons like high prices, an unsatisfactory settlement offer, delays in responding to claim requests or unfair underwriting practices. Whatever your reason, finding a great new company is easier than you think.
More information is available on the following sites:
- Auto Insurance Learning Center (State Farm)
- Who Has Cheap California Auto Insurance for a Ford Escape? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Safety Belts FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)