Do you need a fast way to compare cheaper car insurance rates in Brea, CA? Finding cheaper Brea car insurance quotes online can be challenging if you have never taken advantage of online car insurance quotes. Don't let the process intimidate you because there is an easy way to compare rates.

Surprisingly, a recent survey revealed that almost 70% of insureds in California kept their coverage with the same car insurance company for four years or more, and 38% of customers have never quoted rates to find lower-cost coverage. With the average premium in the United States being $1,847, drivers could pocket roughly 47% a year just by getting comparison quotes, but they just don't understand the rate savings if they bought a different policy.

Consumers need to get comparison quotes once or twice a year due to the fact that insurance rates tend to go up over time. Even if you got the lowest rate on car insurance two years ago a different company probably has better prices today. You'll find a ton of advice on car insurance online but in just a couple of minutes you can learn some of the best ways to slash your car insurance rates in Brea.

Locating the best rates in Brea can initially seem challenging. If you already have coverage, you should be able to find the best rates using the concepts you're about to learn. Nevertheless, California drivers do need to know the methods companies use to determine prices and use it to your advantage.

When quoting insurance, remember that getting more free quotes increases your odds of finding more affordable insurance. Some insurance companies are not set up to provide quotes over the internet, so you need to compare rates from them, too.

The providers in the list below are ready to provide quotes in Brea, CA. In order to find cheap auto insurance in California, it's a good idea that you compare several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Brea
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,660 $830 $138
Dodge Ram Crew Cab Laramie 2WD $1,562 $781 $130
Ford Escape XLS 4WD $886 $443 $74
Ford Explorer Limited AWD $1,416 $708 $118
Ford F-150 STX Super Cab 4WD $1,190 $595 $99
Ford Focus SEL 4-Dr Sedan $1,804 $902 $150
GMC Sierra Denali Crew Cab 2WD $2,074 $1,037 $173
Honda Accord LX 4-Dr Sedan $992 $496 $83
Honda CR-V EX 2WD $1,134 $567 $95
Honda Civic VP 4-Dr Sedan $1,082 $541 $90
Jeep Grand Cherokee SRT-8 4WD $1,324 $662 $110
Kia Optima SX $2,178 $1,089 $182
Nissan Altima 3.5 SR 2-Dr Coupe $2,038 $1,019 $170
Toyota Camry XLE $1,424 $712 $119
Toyota Corolla LE $1,454 $727 $121
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can raise or lower auto insurance rates noticeably.

How high should deductibles be?

The diagram below shows how choosing a deductible and can raise or lower Ford Fusion insurance costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

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

Should you buy full coverage?

The chart below shows the comparison of Honda Pilot yearly insurance costs when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, married male driver, and no policy discounts are applied.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

When to buy liability coverage only

There is no set rule to drop physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's assume your Honda Pilot replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 a year for full coverage, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not advised. If you haven't satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Insuring your vehicle just makes sense

Despite the high cost of buying insurance in Brea, buying auto insurance serves a purpose in several ways.

The benefits of having insurance definitely exceed the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $830 a year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Brand name doesn't guarantee savings

Well-known insurance companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies tend to make the same promise that drivers will save a bundle if you change your insurance policy to them. How do they all have lower policy pricing? You have to listen carefully.

Insurance companies quote their cheapest rates for the driver that will add to their bottom line. An example of this type of insured could be between 25 and 40, has other policies, and drives newer vehicles. A propective insured that matches those criteria will most likely get cheap car insurance rates and have a good chance to save when switching.

Potential insureds who do not fit this stringent profile must pay higher premium rates which leads to the customer buying from a different company. The ads say "customers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's the way companies can truthfully state the savings. This really drives home the point why it is so important to compare as many free Brea car insurance quotes as you can. It's not possible to predict the company that will provide the lowest insurance in Brea.

Insurance discounts help lower rates

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so the list below contains a few of the more well known as well as some of the hidden credits available to bring down your rates.Insurance discounts

While discounts sound great, it's important to understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way.

A few popular companies and a selection of discounts can be found below.

When getting a coverage quote, ask every insurance company to give you their best rates. All car insurance discounts may not apply to policies in Brea.

Compare rates but work with a local neighborhood Brea car insurance agent

A small number of people would rather buy from a licensed agent and there is nothing wrong with that. A nice benefit of comparing insurance prices online is the fact that drivers can get lower rates but still work with a licensed agent.

Brea insurance agentsTo find an agent, once you fill out this form (opens in new window), your insurance data is sent to agents in your area who will gladly provide quotes for your insurance coverage. You never need to leave your house since rate quotes are delivered immediately to your email address. You'll get the best rates without having to waste a lot of time. If you have a need to compare rates from one company in particular, don't hesitate to find their quoting web page and complete a quote there.

Finding the right provider should include more criteria than just a low price. The answers to these questions are important, too.

Auto insurance claim statistics

Which vehicles statistically have the most claims? The tables below show the worst and best manufacturer models for the probability of filing claims for each type of coverage listed.

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford Expedition Kia Forte
Tesla Model S Chevrolet Sonic
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Chevrolet Spark
Ford F-350 SuperCrew Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
Nissan Leaf Maserati Quattroporte
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo Bentley Continental GTC
Chevy Spark BMW M6
Infiniti QX50 Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Kia Optima
Audi A6 Mitsubishi Lancer
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Outback Chevrolet Cruze
Fiat 500 Hyndai Accent
Subaru Forester Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Maserati Granturismo
Mini Cooper Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
Ford Edge BMW M6
Jeep Wrangler Bently Continental GTC
Smart ForTwo Bentley Continental Flying Spur

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

One last thing about your coverage

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests and high prices. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

Throughout this article, we presented a lot of techniques to lower your auto insurance car insurance rates in Brea. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding cheaper Brea car insurance quotes. You may even discover the biggest savings come from a company that doesn't do a lot of advertising.

As you shop your coverage around, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford.

Additional auto insurance information can be read at the links below