Do you need a better way to compare lower-priced auto insurance rates in West Covina, CA? Having to pay for expensive auto insurance in West Covina can deplete your personal savings and maybe even restrict other spending. Doing a rate analysis can save money and help to ensure you are getting the best deal.

Unthinkable but true, a large majority of drivers in California have bought auto insurance from the same company for over three years, and nearly half have never compared rate quotes at all. Consumers in America could save almost 47% a year by just shopping around, but they don't want to spend time to go online and compare rates.

Big-name insurance companies like State Farm, Progressive and GEICO constantly bombard you with advertising and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

You should take the time to price shop coverage every six months because auto insurance prices go up and down regularly. If you had the best price on auto insurance last year you can probably find a better rate quote now. There are lots of tips to save on auto insurance online but by reading this article, you're going to learn some excellent ideas to slash your auto insurance rates in West Covina.

Companies offering cheap rates in West Covina, CA

The companies shown below offer free rate quotes in West Covina, CA. If you want cheap car insurance in California, we suggest you click on several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in West Covina
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,552 $776 $129
Chevrolet Silverado LS Crew Cab 2WD $1,496 $748 $125
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,790 $895 $149
Ford Escape XLS 2WD $1,324 $662 $110
Ford Explorer Eddie Bauer 4WD $1,604 $802 $134
Ford F-150 XL Super Cab 2WD $1,212 $606 $101
Ford Focus SE 2-Dr Coupe $1,154 $577 $96
Honda Accord LX-S 2-Dr Coupe $1,306 $653 $109
Honda CR-V LX 2WD $1,228 $614 $102
Honda Civic DX 4-Dr Sedan $1,142 $571 $95
Hyundai Elantra GLS Touring Station Wagon $1,452 $726 $121
Hyundai Sonata GLS 4-Dr Sedan $1,416 $708 $118
Nissan Altima 3.5 SR 4-Dr Sedan $1,324 $662 $110
Toyota Camry LE $1,570 $785 $131
Toyota Corolla XRS $1,690 $845 $141
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,576 $788 $131
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in zip code location which can decrease or increase prices substantially.

Should you raise deductibles?

The example below demonstrates how deductible levels and can affect Toyota Corolla insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no other discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Males versus Females

The information below illustrates the comparison of annual premium costs for male and female drivers in West Covina. The costs are based on no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in on a GMC Acadia SLT.

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

Take these five policy discounts and save on car insurance

Companies that sell car insurance don't necessarily list every policy discount very clearly, so the next list breaks down some of the best known and the more hidden discounts that may be available.Cheaper car insurance with discounts

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, that's just not realistic.

To locate insurers with the best car insurance discounts in West Covina in California, click here to view.

Getting quotes from local West Covina insurance agents

Some consumers prefer to talk to an insurance agent and that is not a bad decision One of the benefits of price shopping on the web is the fact that you can find lower rates and still have a local agent. And supporting local agents is especially important in West Covina.

Insurance agency in West CovinaUpon completion of this quick form, your insurance coverage information is immediately sent to companies in West Covina who want to provide quotes and help you find cheaper coverage. You never need to search for an agent due to the fact that quote results will go directly to your email. You can find the lowest rates AND an agent nearby. If you have a need to get a rate quote from a specific car insurance provider, don't hesitate to go to their quote page and complete a quote there.

If you want a local West Covina insurance agency, there are two types of insurance agents and how they are distinctly different. Agents are considered either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

These agents are not locked into one company and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If prices rise, an independent agent can move your coverage and you don't have to find a new agent.

If you are comparing car insurance prices, you definitely need to compare quotes from at least one independent agent to have the most options to choose from.

Exclusive Agencies

These type of agents have only one company to place business with and some examples include Allstate and State Farm. These agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. These agents receive extensive training on their company's products and that can be a competitive advantage.

Deciding on a car insurance agent should depend on more than just a cheap quote. Any good agent in West Covina should know the answers to these questions.

Specific coverages

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Manufacturer Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claims Highest Claims
Land Rover Range Rover Sport Nissan Versa
Ford F-250 SuperCrew Kia Forte
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 2500 Dodge Charger
Chevrolet Silverado 3500 Chrysler 200
Chevrolet Corvette Mitsubishi Mirage

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

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, falling objects and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Lowest and Highest Comprehensive Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Volvo V60 Bentley Continental GTC
Ford F-350 Maserati Granturismo
Chevy Spark Bentley Continental GT
GMC Sierra 2500 BMW M6
Nissan Xterra Porsche Panamera GTS
Smart ForTwo Maserati Quattroporte

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

Liability coverages

Liability insurance will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/5 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, emergency aid and bail bonds. How much coverage you buy is your choice, but it's cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy better liability coverage.

Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Acura MDX Hyndai Accent
Audi A6 Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Volvo XC60 Dodge Charger
Subaru Forester Mitsubishi Lancer
Fiat 500 Kia Optima

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the "other guys" do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your vehicle.

Due to the fact that many California drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance covers damage to your vehicle from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Ferrari 458
Ford F-250 SuperCab BMW M6
Mini Cooper BMW 6 Series
Ford F-150 SuperCrew Bentley Continental Flying Spur
Nissan Xterra Bently Continental GTC

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

More quotes mean more auto insurance savings

We've covered a lot of tips how to lower your auto insurance premium rates in West Covina. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

When getting West Covina car insurance quotes online, don't be tempted to skimp on coverage in order to save money. Too many times, someone dropped collision coverage to discover at claim time that they should have had better coverage. Your goal is to find the BEST coverage at the best price, but do not skimp to save money.

Additional resources