If you are new to online price comparisons, by this point your are probably confused thanks to the incredible selection of online car insurance companies and websites that all promise the best rates.

It's astonishing, but most drivers have stayed with the same insurance company for more than four years, and practically 40% of car insurance customers have never quoted rates to find cheap coverage. Many drivers in California can save hundreds of dollars each year by just comparing rate quotes, but most just don't grasp the actual amount they would save if they just switched companies.

Our objective in writing this article is to help educate you on how car insurance works and some tips to save money. If you currently have auto insurance, you stand a good chance to be able to save money using the techniques presented in this article. But California vehicle owners need to have an understanding of how big insurance companies calculate your auto insurance rates.

How to compare free Davis auto insurance quotes

When shopping for inexpensive Davis auto insurance quotes, there are a couple of ways to compare prices from different Davis insurance companies. The quickest method to find the cheapest insurance rates involves getting comparison quotes online.

Just remember that comparing all the rates in your area helps increase your odds of locating a better price.

The providers in the list below are ready to provide price quotes in California. In order to find the cheapest car insurance in California, it's highly recommended you visit two to three different companies to find the most affordable auto insurance rates.

Insurance Cost Estimates for Popular Vehicles in Davis
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,322 $661 $110
Chevrolet Equinox LTZ AWD $1,422 $711 $119
Chevrolet Silverado LTZ Extended Cab 2WD $1,176 $588 $98
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,266 $633 $106
Ford Escape Limited 4WD $1,416 $708 $118
Ford F-150 XL Regular Cab 4WD $1,116 $558 $93
Ford Focus SE 2-Dr Coupe $1,516 $758 $126
Honda Accord EX 4-Dr Sedan $1,178 $589 $98
Honda CR-V EX-L 4WD $1,290 $645 $108
Honda Civic GX 4-Dr Sedan $1,722 $861 $144
Jeep Wrangler Sport 4WD 2-Dr $1,446 $723 $121
Mazda 3 S Grand Touring 4-Dr Sedan $1,490 $745 $124
Nissan Altima Hybrid 4-Dr Sedan $1,514 $757 $126
Nissan Rogue SL AWD $1,312 $656 $109
Toyota Camry Hybrid $1,730 $865 $144
Toyota Corolla S $2,022 $1,011 $169
Toyota Tacoma Double Cab 4WD $1,946 $973 $162
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific zip code location which can modify auto insurance rates noticeably.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The comparison tables below may help you to understand the rate differences between high and low deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

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

Ford Escape insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLS 4WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLT 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape Limited 2WD $342 $472 $376 $22 $112 $1,349 $112
Escape XLT 4WD $342 $472 $376 $22 $112 $1,349 $112
Escape Limited 4WD $342 $576 $376 $22 $112 $1,453 $121
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Ford Escape insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLS 4WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLT 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape Limited 2WD $278 $382 $376 $22 $112 $1,170 $98
Escape XLT 4WD $278 $382 $376 $22 $112 $1,170 $98
Escape Limited 4WD $278 $464 $376 $22 $112 $1,252 $104
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific garaging location which can influence coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $14 more each month or $168 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably save some money going with the higher deductible.

Impact of speeding/accidents on Danville auto insurance rates

The example below demonstrates how citations and at-fault fender-benders can increase Ford Escape car insurance rates for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

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

Should you buy full coverage?

The information below shows the comparison of Dodge Ram yearly insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or accidents, $250 deductibles, married female driver, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money on full coverage?

There is no set guideline of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's assume your Dodge Ram book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Guidelines for dropping full coverage

There is no set guideline of when to exclude physical damage coverage, but there is a broad guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your Chevrolet Cruze replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying more than $200 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Get cheap rates by getting discounts

Auto insurance companies do not advertise every disount available in a way that's easy to find, so the next list breaks down some of the more common in addition to some of the lesser obvious credits available to you.Insurance discounts

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, insurance companies aren't that generous.

Large insurance companies and a partial list of their discounts are:

When quoting, ask all the companies which discounts you qualify for. Discounts may not apply to policyholders in Davis. To view providers that provide some of the discounts listed above in Davis, click this link.

Why your premium might be higher

A large part of saving on auto insurance is knowing some of the elements that aid in calculating the price you pay for auto insurance. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in better auto insurance rates.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine prices.

Your car insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Your situation is unique so your insurance should reflect thatHigher deductibles save money These are some specific questions can aid in determining if you would benefit from an agent's advice.

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don't have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance overall losses by make and model

What vehicles have the fewest claims? The following tables show the best and worst makes and models for likelihood of filing claims for each type of coverage listed.

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claims Highest Claims
Infiniti QX50 Porsche Panamera GTS
Volvo V60 Bentley Continental GTC
Nissan Xterra BMW M6
Smart ForTwo Maserati Granturismo
GMC Sierra 2500 BMW M6
Ford F-350 Mercedes-Benz S Class

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

Collision Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo Bently Continental GTC
Ford F-150 SuperCrew Maserati Ghibli
Chevrolet Colorado Ferrari 458
GMC Canyon Maserati Granturismo
Ford F-250 SuperCab BMW 6 Series
Ford Edge Nissan GT-R

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

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Corvette Kia Rio
Subaru Forester Chrysler 200
Volvo XC60 Chevrolet Impala
Audi A6 Chevrolet Cruze
Acura MDX Hyndai Accent
Subaru Outback Dodge Charger

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

Lowest and Highest Medical Payment Coverage Claims by Vehicle
Lowest Claims Highest Claims
Land Rover Range Rover Sport Chrysler 200
Tesla Model S Chevrolet Spark
Chevrolet Silverado 3500 Chevrolet Sonic
Ford Expedition Dodge Charger
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 2500 Hyundai Accent

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

You can lower your car insurance rates

Throughout this article, we presented some good ideas how to reduce car insurance rates online in Davis. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best rates are with a company that doesn't do a lot of advertising. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Low-cost car insurance in Davis can be found online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. A few companies don't offer online quoting and many times these smaller providers only sell through independent agents.

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.

More tips and info about car insurance is located at these sites: