Searching for the cheapest insurance for your car in California can be a lot of work, but you can use these tips to save time. There is a better way to compare insurance rates so we're going to tell you the absolute fastest way to price shop coverage for a and find the best price possible from Sanger insurance agents and online providers.

Companies offering affordable price quotes in Sanger, CA

The car insurance companies shown below have been selected to offer comparison quotes in Sanger, CA. If your goal is to find cheap car insurance in California, we recommend you visit as many as you can to get the cheapest price.

Insurance Rate Estimates for Popular Vehicles in Sanger
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $886 $443 $74
Chevrolet Malibu LTZ $1,324 $662 $110
Chevrolet Silverado LS Extended Cab 2WD $1,624 $812 $135
Dodge Grand Caravan SE $992 $496 $83
Dodge Ram Quad Cab ST 4WD $1,518 $759 $127
Ford Escape XLS 2WD $1,134 $567 $95
Ford F-150 Lariat King Ranch 4WD $1,252 $626 $104
Ford Focus SE 4-Dr Sedan $1,136 $568 $95
Honda Accord EX-L 4-Dr Sedan $1,114 $557 $93
Honda CR-V EX-L 4WD $1,010 $505 $84
Honda Civic SI 4-Dr Sedan $1,450 $725 $121
Honda Odyssey EX $1,358 $679 $113
Hyundai Elantra Blue 4-Dr Sedan $1,380 $690 $115
Hyundai Sonata Limited 4-Dr Sedan $1,708 $854 $142
Mazda 3 S Sport 4-Dr Sedan $1,460 $730 $122
Nissan Altima 2.5 S 4-Dr Sedan $1,648 $824 $137
Toyota Camry SE $1,588 $794 $132
Toyota Corolla LE $1,404 $702 $117
Toyota RAV4 Sport 4WD $1,488 $744 $124
Volkswagen Jetta LE 4-Dr Sedan $1,488 $744 $124
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location which can impact price quotes considerably.

Comparison of policy deductibles

The illustration below highlights how deductible choice and can influence Dodge Ram annual premium costs for each different age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

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

Cheaper rates on car insurance with these nine car insurance discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don't even know exist. Most are applied when you complete an application, but a few must be specially asked for in order for you to get them.Car insurance discounts

Please keep in mind that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, you won't be that lucky. Any qualifying discounts will positively reduce the amount you have to pay.

Insurance companies that have some of the discounts shown above include:

If you need lower rates, check with every company which credits you are entitled to. A few discounts may not be offered in Sanger. To find insurance companies with discount car insurance rates in California, click here.

Comparing prices from local Sanger insurance agencies

Some people would rather visit with an insurance agent and that can be a great decision Experienced insurance agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of comparing rates online is you can get cheaper prices and still have an agent to talk to.

After completing this form (opens in new window), the coverage information is instantly submitted to insurance agents in Sanger that give free quotes for your coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go directly to you. If for some reason you want to quote rates from a specific company, you just need to navigate to their website and fill out the quote form the provide.

Picking a insurer should include more criteria than just a cheap price. Here are some questions you should ask.

Is an exclusive or independent auto insurance agent right for you?

When researching a good insurance agency, you must know there are a couple different types of agencies and how they are slightly different. Car insurance agencies are considered either exclusive or independent (non-exclusive). Both insure your vehicles, but it is a good idea to know the differences since it could factor into the kind of agent you use.

Exclusive Car Insurance Agents

Exclusive agencies can only quote rates from one company like Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agents are very knowledgeable in insurance sales which helps them compete with independent agents. Many people buy from the same agent for years mostly because of the prominent brand name rather than having low rates.

Independent Agencies or Brokers

Independent insurance agents often have many company appointments and that enables them to quote your coverage with many different companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and that require little work on your part.

When comparing rates, we highly recommend that you include price quotes from a few independent agents to get the best comparison. Many can place coverage with mutual insurance companies which could offer lower prices.

Auto insurance coverages

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This provides protection when the "other guys" do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people only carry the minimum required liability limits (15/30/5 in California), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values 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.

Liability coverage pays for things such as medical expenses, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying more coverage.

Vehicle Make and Models with the Lowest and Highest Liability Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Mitsubishi Lancer
Subaru Forester Chevrolet Cruze
Mercedes-Benz SL Class Mitsubishi Mirage
Fiat 500 Hyndai Accent
Chevrolet Corvette Chevrolet Sonic
Acura MDX Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for collisions

This pays for damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab Maserati Granturismo
Jeep Wrangler Bentley Continental Flying Spur
Ford Edge Audi RS7
Smart ForTwo Ferrari 458
GMC Canyon Bently Continental GTC
Ford F-150 SuperCrew BMW 6 Series

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Nissan Versa
Ford F-350 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Hyundai Accent
Ford Expedition Dodge Charger
Chevrolet Silverado 2500 Chevrolet Sonic
Chevrolet Silverado 3500 Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Vehicles with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Maserati Quattroporte
Volvo V60 BMW M6
Smart ForTwo Porsche Panamera GTS
GMC Sierra 2500 Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Ford F-350 Audi S7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

One last note

Drivers leave their current company for a number of reasons such as unfair underwriting practices, extreme rates for teen drivers, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

We just showed you some good ideas how to lower your car insurance premium rates in Sanger. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company.

Some insurance companies do not offer internet price quotes and these small, regional companies prefer to sell through independent agents. Affordable car insurance in Sanger can be found online in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.

Much more information about car insurance in California can be read at the links below