Did you come to the realization that you have overpriced auto insurance? It's a common feeling and there are lots of people in the same boat.
Surprisingly, a recent survey revealed that a large majority of auto insurance policyholders in California kept their coverage with the same auto insurance company for at least four years, and almost half have never shopped around. Consumers in the United States can save about 47% each year, but most just don't grasp how much money they would save if they switch to a new company.
People have so many car insurance companies to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to find a good deal.
The majority of larger companies allow consumers to get prices direct online. Comparing car insurance rates online is fairly simple because it's just a matter of typing in your personal and coverage information into a form. When complete, the quote system will obtain information on your driving record and credit history and returns a price quote based on the information you submitted. Quoting online makes it easy to compare insurance prices and it's very important to do this in order to find the lowest payment.
To quickly find out how much you're overpaying now, compare rates from the companies below. To compare your current rates, we recommend that you enter the coverages as close as possible to your current policy. Doing this assures you will receive a price comparison using the same coverage and limits.
The following companies have been selected to offer free rate quotes in California. If your goal is to find cheap auto insurance in California, we suggest you get prices from several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$1,566||$783||$131|
|Chevrolet Silverado LT Crew Cab 2WD||$1,762||$881||$147|
|Dodge Grand Caravan SE||$1,094||$547||$91|
|Dodge Ram Quad Cab SLT 2WD||$1,290||$645||$108|
|Ford Escape XLS 4WD||$1,328||$664||$111|
|Ford Explorer XLT 2WD||$1,324||$662||$110|
|Ford F-150 XL Crew Cab 4WD||$1,426||$713||$119|
|Ford Focus SEL 4-Dr Sedan||$1,380||$690||$115|
|Honda Accord LX 4-Dr Sedan||$990||$495||$83|
|Honda CR-V EX-L 4WD||$1,158||$579||$97|
|Honda Civic DX 4-Dr Sedan||$1,474||$737||$123|
|Kia Optima EX||$1,672||$836||$139|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,592||$796||$133|
|Nissan Rogue SL AWD||$1,366||$683||$114|
|Toyota Camry XLE||$1,424||$712||$119|
|Toyota Corolla S||$1,372||$686||$114|
|Toyota Tacoma Double Cab 4WD||$1,238||$619||$103|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in zip code location which can alter price quotes significantly.
Auto insurance rates based on gender
The information below illustrates the comparison of car insurance costs for male and female drivers in Watsonville. The prices are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no policy discounts are applied on a GMC Acadia SL.
GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Should you raise deductibles?
The diagram below shows how choosing a deductible and can change Ford Escape insurance premiums for different age groups. The costs are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
What is the best insurance coverage?
When quoting and comparing insurance from an agent or online for your vehicles, there is no cookie cutter policy. Everyone's situation is a little different.
Here are some questions about coverages that may help you determine whether you might need professional guidance.
- Am I covered when driving a rental car?
- Does insurance cover tools stolen from my truck?
- Am I covered if I break a side mirror?
- Is a driver training discount available?
- Is my state a no-fault state?
- Do I pay less for low miles?
- Does coverage extend to my business vehicle?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
When to have guidance from a local insurance agent
Many drivers prefer to buy from a licensed agent and doing so can bring peace of mind An additional benefit of comparing insurance online is that you can find lower premium rates and still choose a local agent.
To help locate an agent, after submitting this simple form, the quote information is instantly submitted to companies in Watsonville that provide free Watsonville auto insurance quotes for your coverage. You won't even need to contact an agency as quotes are delivered immediately to you. You can find lower rates without requiring a lot of work. If you want to get a rate quote from a specific insurance provider, don't hesitate to go to their quote page and give them your coverage information.
Deciding on an insurer requires you to look at more than just the quoted price. Below are some questions you should ask.
- If independent agents, which companies do they recommend?
- What is the agency's Better Business Bureau rating?
- Are they involved in claim handling?
- Do the companies they represent have a solid financial rating?
- Does the agency support the community they serve?
- Is the agency covered by Errors and Omissions coverage?
- How much training do they have in personal risk management?
- How would your car be valued if totalled?