Do you want lower-priced auto insurance rates in Brentwood, CA? Are you regretting the purchase of an expensive auto insurance policy? It's quite common and there are many Brentwood consumers feeling the pinch from expensive auto insurance.
Unbelievably, the vast majority of drivers renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rates with other companies. Many consumers in California can cut their rates by as much as $500 a year, but they won't spend time to compare rates and save money.
Many auto insurance companies vie for your business, and because of this it can be hard to compare auto insurance companies to find the best rates possible on auto insurance.
It's a good idea to compare rates before your policy renews because prices change quite often. Despite the fact that you may have had the lowest quotes on auto insurance last year you can probably find a better rate now. Forget all the misinformation about auto insurance because you're going to get a crash course in the right way to remove unneeded coverages and save money.
If you are insured now, you will definitely be able to lower your rates using these methods. Locating the most cost-effective auto insurance policy in Brentwood is actually very simple if you learn how to start. But California drivers should learn how companies sell online and use it to your advantage.
Companies offering affordable rate quotes in Brentwood, CA
The following companies are our best choices to provide free quotes in Brentwood, CA. If your goal is to find cheaper car insurance in California, it's highly recommended you visit two to three different companies in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$2,072||$1,036||$173|
|Chevrolet Silverado LT Regular Cab 2WD||$1,860||$930||$155|
|Dodge Ram Quad Cab Sport 4WD||$2,060||$1,030||$172|
|Ford Escape XLS 4WD||$992||$496||$83|
|Ford F-150 STX Regular Cab 2WD||$1,322||$661||$110|
|Ford Focus SEL 4-Dr Sedan||$1,374||$687||$115|
|Honda Accord EX 4-Dr Sedan||$1,298||$649||$108|
|Honda CR-V LX 4WD||$1,160||$580||$97|
|Honda Civic EX 2-Dr Coupe||$1,452||$726||$121|
|Hyundai Sonata GLS 4-Dr Sedan||$1,376||$688||$115|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,176||$588||$98|
|Toyota Camry XLE||$1,256||$628||$105|
|Toyota Corolla LE||$1,372||$686||$114|
|Volkswagen Jetta S 4-Dr Sedan||$1,566||$783||$131|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can increase or decrease rates greatly.
When shopping for car insurance, a common question is which deductibles should you choose. The data tables below can help you understand how much more you'll pay when you choose different coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
Chevrolet Malibu 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|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|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 safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can alter premium rates substantially.
We can derive from the above data that using a $100 deductible will cost you approximately $31 more each month or $372 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would more than likely save some money if you choose a higher deductible.
Physical damage deductibles
The chart below illustrates how your deductible choice and can increase or decrease Honda Accord yearly insurance costs for each different age group. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Insurance rates by gender in Brentwood
The information below illustrates the comparison of insurance costs for male and female drivers in Brentwood. The data assumes no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium on a Honda Accord LX.
Honda Accord rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Get cheaper insurance with discounts
Companies offering auto insurance do not list every discount they offer very clearly, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that may be available.
- Discounts for Government Workers - Federal government employees may reduce rates when you quote Brentwood auto insurance depending on your insurance provider.
- Sign Online - A handful of larger companies will discount your bill up to fifty bucks simply for signing on their website.
- Senior Citizen Discount - Older drivers are able to get a small discount on rates.
- Passenger Safety Discount - Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Defensive Driving Course - Taking time to complete a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
- Savings for New Vehicles - Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.
- Sign Early and Save - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
As is typical with insurance, some credits don't apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, insurance companies aren't that generous.
A partial list of companies that may have most of the discounts above are:
When getting a coverage quote, ask every insurance company which discounts can lower your rates. Some credits may not apply to policyholders in Brentwood. To see insurers with discount insurance rates in Brentwood, click here.
How to lower your car insurance prices
Lots of things are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but others are not quite as obvious such as your marital status or your financial responsibility. A large part of saving on car insurance is knowing some of the things that aid in calculating the rates you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that could help you find lower car insurance prices.
Drive a safer car and pay less - Vehicles with good safety scores cost less to insure. Safe vehicles reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If your car or truck scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Insurance is expensive for younger drivers - Inexperience drivers are known to be inattentive and easily distracted when driving with friends so they pay higher car insurance rates. Parents adding a first-time driver to your car insurance policy can cause a big jump in price. Older people are more cautious drivers, tend to file fewer claims, and get fewer tickets.
Never let your car insurance policy lapse - Going without insurance is a fast way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance can result in fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the California department of motor vehicles.
Do you have enough liability coverage? - Liability insurance will afford coverage if ever a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Long commutes cost more - The more miles you rack up on your car annually the more it will cost to insure it. Almost all companies calculate prices based upon how the vehicle is primarily used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. It's a good idea to make sure your car insurance policy properly reflects the correct usage for each vehicle, because it can save money.
Pay more for higher performance vehicles - The type of vehicle you need to insure makes a substantial difference in your auto insurance rates. Small economy passenger vehicles normally have pretty low rates, but other factors influence the final cost greatly.
Drivers who switch save $424 a year? Really?
State Farm and Allstate consistently run ads on television and other media. They all seem to tend to make the same promise that people will save if you just switch your auto insurance coverage to their company. But how can every company give you a better price on auto insurance? It's all in the wording.
Companies quote their cheapest rates for the type of customer that is profitable for them. An example of a profitable risk profile might have to be over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who matches that profile is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.
Insureds who do not meet the requirements will be quoted higher prices which translates to the customer not purchasing. The trick companies use is to say "customers who switch" but not "everyone who gets a quote" save that much money. This is how insurance companies can confidently make it sound like they have such great rates.
Because each company has a different risk profile, it is so important to get Brentwood auto insurance quotes as often as possible. It's just not possible to know with any certainty which company will give you the biggest savings.
One last thing about your coverage
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best possible price.
The cheapest insurance in Brentwood is available both online and with local Brentwood insurance agents, so get free Brentwood auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not provide online price quotes and these smaller companies prefer to sell through independent agencies.
Additional detailed information is available in these articles:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has the Cheapest California Auto Insurance for Drivers with a DUI? (FAQ)
- How Much are Car Insurance Quotes for Seniors in California? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in California? (FAQ)
- Who Has Cheap California Car Insurance for a Ford F-150? (FAQ)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Anti-Lock Brake FAQ (iihs.org)
- Collision Coverage (Liberty Mutual)
- Red Light Cameras (State Farm)