Finding cheaper insurance for a new or used car in California could be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to shop for insurance and we'll show you the absolute fastest way to quote coverages for your and locate the best price possible from both online companies and Petaluma agents.

A study showed that a large majority of drivers have been with the same company for well over three years, and almost 40% of drivers have never shopped around. Many consumers in California could save an average of as much as $500 each year by just comparing rate quotes, but they just don't understand the actual amount they would save if they switch to a new company.

You should make it a habit to take a look at other company's rates once or twice a year because insurance rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on insurance a couple years back other companies may now be cheaper. You can find a lot of misleading information regarding insurance out there, but you can learn a bunch of ideas how to lower your insurance rates in Petaluma.

Finding and comparing cheaper auto insurance policy in Petaluma is quite easy. If you have coverage now or just want a better rate, follow these tips to save money without reducing coverage. Drivers just have to understand the quickest method to compare price quotes from multiple carriers.

Most of the larger companies give price estimates on their websites. Obtaining pricing doesn't take much effort as you just type in your coverage information into the quote form. Once entered, the company's rating system will obtain reports for credit and driving violations and provides a quote based on many factors.

Using the web to get rates helps simplify price comparisons, and it's very important to compare as many rates as possible in order to get the cheapest price.

In order to fill out one form to compare multiple rates now, check out the insurance providers below. If you have a policy now, it's recommended you replicate the limits and deductibles identical to your current policy. This ensures you're receiving a rate comparison for the exact same coverage.

The companies shown below are our best choices to provide quotes in California. If you wish to find cheaper auto insurance in California, we suggest you click on several of them to get the most affordable price.

Insurance Rates for Popular Vehicles in Petaluma
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,226 $613 $102
Chevrolet Silverado LS Crew Cab 2WD $1,496 $748 $125
Dodge Ram Crew Cab Laramie 2WD $1,746 $873 $146
Ford Escape XLT 4WD $1,016 $508 $85
Ford F-150 XL Super Cab 4WD $1,244 $622 $104
Ford Focus SEL 4-Dr Sedan $1,750 $875 $146
Ford Fusion Sport 4-Dr Sedan $1,710 $855 $143
GMC Sierra SLE Regular Cab 2WD $1,722 $861 $144
Honda Accord LX-P 4-Dr Sedan $1,160 $580 $97
Honda CR-V EX-L 4WD $1,290 $645 $108
Honda Civic SI 4-Dr Sedan $1,496 $748 $125
Kia Optima LX $1,794 $897 $150
Mazda 3 I SV 4-Dr Sedan $1,538 $769 $128
Nissan Altima 2.5 S 2-Dr Coupe $1,978 $989 $165
Nissan Rogue S 2WD $1,588 $794 $132
Toyota Camry Hybrid $1,978 $989 $165
Toyota Corolla LE $1,404 $702 $117
Toyota Tacoma 4WD $1,406 $703 $117
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific Petaluma garaging location which can increase or decrease premium rates noticeably.

Policy deductible comparison

A question often asked by Petaluma drivers is how high or low should comp and collision deductibles be. The tables below highlight the price difference when you select higher and lower insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

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

Ford Focus insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SE 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SEL 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SES 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SE 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Focus SES 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can impact premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $30 more each month or $360 every year than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claim filings, you would come out ahead if you choose a higher deductible.

Drive responsibly or pay higher rates

The illustration below shows how violations and at-fault fender-benders can drive up Ford Focus insurance costs for different insured age categories. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

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

Lower your insurance rates with these nine discounts

Insurance is not cheap nor is it fun to buy but there may be some discounts to help offset the cost. Some discounts apply automatically when you purchase, but occasionally some discounts must be asked for in order for you to get them.Cheaper insurance with discounts

As a sidenote, many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears it's possible to get free car insurance, insurance companies aren't that generous.

A list of companies and a summarized list of policyholder discounts are included below.

Check with all the companies to give you their best rates. Some discounts listed above might not be offered in Petaluma. For a list of insurers who offer discounts in California, click this link.

You are unique and your auto insurance should be too

When it comes to choosing coverage online or from an agent, there really isn't a best way to insure your cars. Everyone's situation is a little different and your auto insurance should unique, too.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether you may require specific advice.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Why you need insurance

Even though it's not necessarily cheap to insure a vehicle in Petaluma, buying insurance may not be optional for several reasons.

The benefits of insuring your car definitely exceed the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $830 a year so it's recommended you shop around at every policy renewal to make sure the price is not too high.

Best and worst vehicle claim statistics

Are you driving a vehicle with a high chance of a claim? The data below show the highest and lowest models for the probability of having to file claims for each type of coverage.

Vehicle Make and Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Audi RS7
Ford Edge Bently Continental GTC
Smart ForTwo Ferrari 458
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6
Mini Cooper Nissan GT-R

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

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Ford Expedition Hyundai Accent
Chevrolet Silverado 3500 Nissan Sentra

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

Vehicle Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Porsche Panamera GTS
Chevy Silverado 2500 Maserati Granturismo
Smart ForTwo BMW M6
Infiniti QX50 BMW M6
Chevy Spark Mercedes-Benz S Class
Volvo V60 Maserati Quattroporte

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

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Mitsubishi Mirage
Chevrolet Corvette Chevrolet Cruze
Fiat 500 Kia Rio
Acura MDX Chevrolet Impala
Subaru Forester Kia Optima
Mercedes-Benz SL Class Chrysler 200

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

Educate yourself about car insurance coverages

Knowing the specifics of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, EMT expenses, prosthetic devices, hospital visits and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle's damage.

Since many California drivers only carry the minimum required liability limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, rock chips in glass and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Liability

Liability coverage can cover damage or injury you incur to other's property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 which means $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, repair bills for other people's vehicles, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

In the end, you can save money

Low-cost auto insurance in Petaluma can be found online and from local agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies don't offer the ability to get a quote online and many times these small insurance companies prefer to sell through local independent agencies.

We just presented many ways to shop for auto insurance online. The key thing to remember is the more you quote Petaluma car insurance, the better your chances of lowering your prices. Consumers may even find the biggest savings come from the smaller companies. Some small companies often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

Much more information about auto insurance in California can be read at these links: