Want to know an easy way to compare more affordable auto insurance rates in Ontario, CA? There isn't a single person who looks forward to paying premiums for auto insurance, particularly when the prices are way too high.

Surprisingly, a recent survey revealed that about 70% of customers have remained with the same auto insurance company for well over three years, and practically 40% of auto insurance customers have never compared rates from other carriers. Many consumers in the U.S. could save approximately 46.5% each year just by getting comparison quotes, but they don't know how much they could save if they changed companies. Due to the large number of choices, it can be diffult for people to locate the right insurer.

Shopping for the best coverage in Ontario is not as difficult as people think. If you have a current auto insurance policy or are shopping for new coverage, take advantage of these tips to lower your rates while maintaining coverages. Consumers only need an understanding of the fastest way to compare price quotes online.

How much does car insurance in Ontario, California cost?

Finding more affordable car insurance rates is not a difficult process. The only thing you need to do is spend a few minutes on the computer comparing rate quotes online from several insurance companies.

Comparing free rate quotes online is easy and it, replaces the need to spend your day driving to local Ontario insurance agencies. Comparing car insurance rate quotes online has made agencies unnecessary unless you require the peace of mind of a local agency. You can, however, obtain prices from the web and still use a local Ontario agent.

The companies shown below have been selected to offer quotes in California. If you want to find the best cheap auto insurance in California, it's a good idea that you visit several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Ontario
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,544 $772 $129
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,904 $952 $159
Ford Escape XLT 2WD $1,102 $551 $92
Ford F-150 XLT Crew Cab 2WD $1,108 $554 $92
Ford Focus SEL 4-Dr Sedan $1,804 $902 $150
Honda Accord EX-L 4-Dr Sedan $1,082 $541 $90
Honda CR-V EX-L 4WD $1,018 $509 $85
Honda Civic Hybrid 4-Dr Sedan $1,284 $642 $107
Honda Odyssey Touring $1,698 $849 $142
Jeep Grand Cherokee Limited 2WD $1,904 $952 $159
Jeep Wrangler Rubicon 4WD 2-Dr $1,116 $558 $93
Kia Optima LX $1,222 $611 $102
Nissan Altima 2.5 S 2-Dr Coupe $1,532 $766 $128
Nissan Rogue S 2WD $1,860 $930 $155
Toyota Camry SE $1,790 $895 $149
Toyota Corolla XLE $1,464 $732 $122
Toyota Prius $1,302 $651 $109
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,048 $524 $87
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can impact price quotes noticeably.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparisons below help summarize the price difference when you buy lower versus higher policy deductibles. The first pricing table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
Altima 2.5 S 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Altima Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 2.5 S 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Altima 3.5 SR 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 3.5 SR 2-Dr Coupe $386 $780 $500 $30 $150 $1,871 $156
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Nissan Altima insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $210 $362 $442 $26 $132 $1,172 $98
Altima 2.5 S 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Altima Hybrid 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Altima 2.5 S 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Altima 3.5 SR 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Altima 3.5 SR 2-Dr Coupe $238 $490 $500 $30 $150 $1,408 $117
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact prices noticeably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $35 more each month or $420 a year than quoting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claims, you would save money going with the higher deductible. Here's an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): - $107
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

An important sidenote is that higher deductibles results in a higher out-of-pocket expense at claim time. That will require some available funds in the event you need to pay more for the deductible.

Affordable Ontario auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but occasionally some discounts must be asked for prior to getting the savings. If you do not check that you are getting every discount possible, you could be getting lower rates.Cheaper auto insurance with discounts

Just know that many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

A list of auto insurance companies and some of the premium reductions they offer are shown below.

When getting free Ontario car insurance quotes, it's a good idea to all the companies what discounts are available to you. Some of the discounts discussed earlier may not be offered in every state.

Auto insurance is an important decision

Despite the high cost of buying insurance in Ontario, maintaining insurance may not be optional for several reasons.

The benefits of buying auto insurance are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so you should quote and compare rates every year to ensure rates are inline.

Which is the best car insurance?

When it comes to choosing insurance from an agent or online, there really is not a best way to insure your cars. Everyone's needs are different and your car insurance should unique, too.Drive safe and save These are some specific questions might point out if your situation would benefit from an agent's advice.

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance agents can give valuable advice

Some people would prefer to get professional advice from a licensed agent. Good insurance agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Buying from neighborhood agents is especially important in Ontario.

For easy comparison, once you complete this short form, your coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. You won't need to visit any agencies due to the fact that quote results will go immediately to you. If you need to quote rates from a specific company, you can always go to their quote page and fill out the quote form the provide.

Two types of car insurance agents

If you want a good insurance agency, it helps to know the two different types of agencies and how they can write your policy. Agents in Ontario are considered either independent or exclusive. Either type can provide auto insurance policies, but it's good to learn why they differ since it could factor into which type of agent you select.

Independent Agencies or Brokers

These type of agents do not have single company limitations so they can quote policies amongst many companies and help determine which has the cheapest rates. If you want to switch companies, your agent can just switch to a different company and that require little work on your part. If you are trying to find cheaper rates, we recommend you compare prices from a few independent agents to get the best comparison.

Exclusive Auto Insurance Agents

Agents that elect to be exclusive are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates.

Finding the right car insurance agent needs to be determined by more than just the quoted price. Here are some questions you should ask.