I can't think of a single person who likes having to buy car insurance, especially when they know the cost is too high.

Astonishing but true, almost 70% of drivers in California kept their coverage with the same car insurance company for at least the last four years, and about 40% of consumers have never compared rates from other carriers. With the average premium in America being $1,847, drivers could save an average of approximately $860 each year by just comparing rate quotes, but they don't want to spend time to compare rate quotes.

Online insurance companies like GEICO and Progressive constantly blast consumers with advertising and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Keep in mind that more quotes helps increase your odds of locating a better price. Not every company provides quotes online, so it's recommended that you also compare rates on coverage from those companies, too.

The following companies offer free rate quotes in California. If you want to find cheaper car insurance in California, we suggest you visit as many as you can in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Fontana
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,848 $924 $154
Chevrolet Impala LTZ $2,022 $1,011 $169
Chevrolet Silverado LTZ Extended Cab 4WD $1,598 $799 $133
Dodge Ram Quad Cab Sport 4WD $2,056 $1,028 $171
Ford Escape XLT 2WD $1,482 $741 $124
Ford F-150 XLT Super Cab 2WD $1,476 $738 $123
Ford Focus SES 4-Dr Sedan $1,278 $639 $107
Ford Fusion Sport 4-Dr Sedan $1,884 $942 $157
Honda Accord EX 2-Dr Coupe $1,758 $879 $147
Honda CR-V EX 2WD $1,134 $567 $95
Honda Civic EX 4-Dr Sedan $1,452 $726 $121
Honda Odyssey EX-L W/Rear Entertainment $1,230 $615 $103
Jeep Grand Cherokee Laredo 2WD $1,722 $861 $144
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,190 $595 $99
Nissan Altima 3.5 SR 2-Dr Coupe $1,902 $951 $159
Toyota Camry LE $1,566 $783 $131
Toyota Corolla LE $1,672 $836 $139
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.

Violations and accidents raise rates

The information below demonstrates how citations and accident claims can affect Chevrolet Silverado auto insurance rates for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of full coverage and liability-only

The chart below visualizes the comparison of Chevrolet Tahoe insurance costs with full phyical damage coverage and with liability coverage only. Data assumes no accidents, no driving violations, $100 deductibles, married male driver, and no policy discounts are applied.

Chevrolet Tahoe 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 definitive rule to delete comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Chevrolet Tahoe settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after you pay the deductible. If you are paying more than $700 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Yearly car insurance costs for men versus women

The diagram below illustrates the comparison of insurance premiums for male and female drivers in Fontana. The data is based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium on a Chevrolet Malibu LS.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Are you obtaining every discount?

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don't even know exist. Certain discounts will be triggered automatically at the time of quoting, but occasionally some discounts must be asked for before being credited. If you do not double check each discount possible, you're paying more than you need to.Discount car insurance

Don't be surprised that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and some of the discounts are outlined below.

It's a good idea to ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of car insurance companies with significant discounts in Fontana, click here.

Compare rates but buy from a local Fontana insurance agent

A lot of people still prefer to visit with an insurance agent and that is not a bad decision A nice benefit of comparing auto insurance online is the fact that drivers can get cheaper car insurance rates and also buy local.

Insurance agency in FontanaAfter completing this form (opens in new window), your insurance coverage information is submitted to local insurance agents who can give free rate quotes for your coverage. It simplifies rate comparisons since you won't have to drive around as quotes are delivered to you instantly. You can find the lowest rates and a licensed agent to work with. If you wish to compare prices from a specific auto insurance provider, you can always visit that company's website and give them your coverage information.

Finding a good company should depend on more than just the price. Before buying a policy in Fontana, get answers to these questions.

Tailor your insurance coverage to you

Keep in mind that when it comes to choosing proper insurance coverage, there really is no one-size-fits-all type of policy. Everyone's needs are different.Safe vehicles cost less to insure

For example, these questions can aid in determining whether or not you would benefit from professional advice.

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Eight things that affect your rates

Many things are used in the calculation when you quote your car insurance policy. Some are obvious like your driving record, although others are more obscure such as your marital status or your financial responsibility. Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that may result in lower premium levels.

Insurance in California serves several purposes

Even though it can be expensive, insuring your vehicle is mandatory in California but it also protects more than you think.

The benefits of having insurance definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $850 per year so compare rates each time the policy renews to ensure rates are inline.

Keep this in mind when shopping around

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, delays in paying claims or an unsatisfactory settlement offer. No matter why you want to switch, finding the right insurance provider can be less work than you think.

Cost effective insurance is available online in addition to many Fontana insurance agents, and you need to price shop both to have the best selection. Some companies may not have internet price quotes and many times these smaller providers only sell coverage through independent agencies.

As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

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