Do you want to stop overpaying and find more competitive auto insurance rates in Norco, CA? Norco buyers have many options when searching for the lowest priced car insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online so we're going to tell you the best way to quote coverages for your and obtain the lowest price.

It's a good habit to price shop coverage once or twice a year because prices are variable and change quite frequently. Even if you think you had the best deal on auto insurance a year ago you will most likely find a better rate quote today. Block out anything you think you know about auto insurance because you're about to find out how to use the internet to buy cheaper auto insurance.

Auto insurance companies offering low-cost rates in California

The companies shown below are our best choices to provide price comparisons in California. To locate the best auto insurance in California, we suggest you visit several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in Norco
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,680 $840 $140
Chevrolet Equinox LTZ AWD $1,460 $730 $122
Chevrolet Silverado Crew Cab Hybrid 4WD $1,828 $914 $152
Dodge Grand Caravan Crew $1,200 $600 $100
Dodge Ram Quad Cab Laramie 4WD $1,596 $798 $133
Ford Escape Limited 4WD $1,072 $536 $89
Ford F-150 Lariat Super Cab 2WD $1,354 $677 $113
Ford Focus SES 2-Dr Coupe $1,568 $784 $131
Honda Accord LX-P 4-Dr Sedan $1,134 $567 $95
Honda CR-V LX 4WD $1,174 $587 $98
Honda Civic EX 2-Dr Coupe $1,700 $850 $142
Honda Odyssey EX-L W/Rear Entertainment $1,664 $832 $139
Hyundai Elantra SE Touring Station Wagon $1,252 $626 $104
Jeep Grand Cherokee Limited 2WD $1,484 $742 $124
Nissan Altima 2.5 S 2-Dr Coupe $1,586 $793 $132
Toyota Camry Hybrid $1,592 $796 $133
Toyota Corolla LE $1,102 $551 $92
Toyota Prius $984 $492 $82
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can alter prices significantly.

Physical damage deductible comparison

The information below illustrates how choosing a deductible and can change Nissan Altima insurance prices for different ages of insureds. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Get cheaper rates on insurance with these insurance discounts

Insurance can be pricey, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be specifically requested before you will receive the discount.Insurance discounts

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Just because it seems like it's possible to get free car insurance, it doesn't quite work that way.

Auto insurance companies that may offer policyholders most of the discounts above include:

If you need lower rates, check with each insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered in Norco. If you would like to view providers that provide some of the discounts listed above in Norco, click here.

You have control over your insurance prices

Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are not quite as obvious such as your credit history or how financially stable you are. It's important that you understand some of the things that are used to determine the price you pay for insurance. If you have a feel for what determines premiums, this enables you to make decisions that could result in cheaper rates.

The list below includes some of the major factors insurance companies consider when setting premiums.

What if I want to buy from local Norco auto insurance agents?

Certain consumers just want to talk to an insurance agent and we recommend doing that Licensed agents can point out coverage gaps and help submit paperwork. A good thing about comparing rates online is you can get cheap auto insurance quotes but also keep your business local. And providing support for local agencies is still important in Norco.

Norco insurance agentsAfter completing this short form, your coverage information gets sent to local insurance agents in Norco that give free quotes to get your business. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go instantly to you. If for some reason you want to compare rates for a specific company, you would need to search and find their rate quote page and fill out the quote form the provide.

Two types of auto insurance agents

If you are wanting to find a reliable insurance agent, it's helpful to know the different agency structures and how they can quote your rates. Auto insurance agents can either be independent agents or exclusive agents. Either one can write policy coverage, but it's important to point out the differences because it can impact buying decisions.

Independent Auto Insurance Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers so they have the ability to put coverage through many different auto insurance companies and find the cheapest rate. If your premiums go up, your agent can just switch to a different company and that require little work on your part. If you are trying to find cheaper rates, you will want to check rates from several independent agencies to ensure the widest selection of prices. Most independent agents also contract with lesser-known insurance companies which could offer lower prices.

Exclusive Auto Insurance Agents

Exclusive agents have only one company to place business with such as Farmers Insurance, Allstate, or State Farm. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their products and sales techniques which aids in selling service over price. Some people will only purchase coverage from exclusives partially due to the brand name and the convenience of having all coverages with one company.

Choosing the best insurance agency requires you to look at more than just the price. You should also get answers to these questions.

After talking to the agent and getting good feedback to these questions as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that can be trusted to properly insure your vehicles.

Insurance claim statistics

What vehicles have the most claims? The tables below list the best and worst vehicles for likelihood of having claims orgainized by coverage.

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Mitsubishi Lancer
Mercedes-Benz SL Class Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Kia Optima
Audi A6 Chevrolet Sonic
Subaru Outback Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Collision Coverage Claims
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler BMW 6 Series
Mini Cooper Nissan GT-R
Nissan Xterra Ferrari 458
GMC Canyon Bently Continental GT
Smart ForTwo Bentley Continental Flying Spur
Ford Edge BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 SuperCrew Kia Forte
Ford F-250 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Corvette Chevrolet Spark
Ford Expedition Mitsubishi Mirage
Audi A4 Allroad Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Audi S7
GMC Sierra 2500 Mercedes-Benz S Class
Volvo V60 Bentley Continental GTC
Nissan Xterra Maserati Granturismo
Chevy Silverado 2500 Porsche Panamera GTS
Chevy Spark Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

The lowest rates come from being thorough

Throughout this article, we presented a lot of ways to compare auto insurance prices in Norco. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest prices come from a smaller regional carrier.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Insureds change insurance companies for a number of reasons such as policy non-renewal, delays in paying claims, not issuing a premium refund and even high rates after DUI convictions. It doesn't matter why you want to switch finding the right auto insurance provider can be less work than you think.

Additional detailed information can be found in these articles: