Locating low-cost insurance for your car in California can be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to compare auto insurance rates so you're going to learn the absolute fastest way to compare rates on a and find the cheapest rates from both online companies and Yuba City agents.
Companies offering affordable price quotes in Yuba City, CA
The companies in the list below are our best choices to provide quotes in Yuba City, CA. In order to find cheap car insurance in California, it's highly recommended you visit as many as you can to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,672||$836||$139|
|Dodge Grand Caravan Hero||$1,896||$948||$158|
|Dodge Ram Quad Cab Sport 4WD||$1,800||$900||$150|
|Ford Escape XLS 2WD||$1,428||$714||$119|
|Ford F-150 Lariat King Ranch 2WD||$1,626||$813||$136|
|Ford Focus SE 2-Dr Coupe||$1,674||$837||$140|
|Ford Fusion Hybrid 4-Dr Sedan||$1,840||$920||$153|
|Honda Accord LX 4-Dr Sedan||$1,272||$636||$106|
|Honda CR-V EX-L 4WD||$1,336||$668||$111|
|Honda Civic SI 4-Dr Sedan||$1,262||$631||$105|
|Hyundai Sonata GLS 4-Dr Sedan||$1,442||$721||$120|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,406||$703||$117|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,124||$562||$94|
|Toyota Camry Hybrid||$1,592||$796||$133|
|Toyota Corolla XRS||$1,690||$845||$141|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,406||$703||$117|
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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 safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in Yuba City location which can revise insurance rates greatly.
Higher deductibles lower rates
A question often asked by Yuba City drivers is how high should the deductibles for physical damage be. The comparison tables below may aid in understanding the rate differences when you choose different policy deductibles. The first pricing table uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific Yuba City garaging location which can revise premiums significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $48 more each month or $576 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claims, you would come out ahead by selecting a higher deductible.
How to calculate if a higher deductible is a good decision
|Average monthly premium for $100 deductibles:||$152|
|Average monthly premium for $1,000 deductibles (subtract):||- $104|
|Monthly savings from raising deductible:||$48|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $48|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||19 months|
One important caveat is that increasing deductibles to save money means you will have to pay more when you do file a claim. That will require some extra savings in order to pay the higher deductible in order to repair your vehicle.
Does it make sense to buy full coverage?
The illustration below visualizes the comparison of Chevrolet Silverado auto insurance rates with full phyical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $100 deductibles, married male driver, and no other discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Are you wasting money paying for full coverage?
There is no definitive formula that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let's say your Chevrolet Silverado replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after paying your policy deductible. If it's costing you more than $300 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few cases where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Save with these discounts
Some insurers do not advertise all their discounts very well, so the list below details both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Yuba City auto insurance online.
- Good Driver Discounts - Drivers who don't get into accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Drive Less and Save - Driving fewer miles can qualify you for discounted prices on garaged vehicles.
- 55 and Retired - If you're over the age of 55, you may receive reduced rates.
- Seat Belts Save more than Lives - Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Onboard Data Collection - Drivers that enable companies to study their driving habits by using a small device installed in their vehicle such as State Farm's In-Drive might get better premium rates as long as the data is positive.
- Club Memberships - Belonging to qualifying employment or professional organizations could trigger savings on your policy.
- Accident Free - Insureds with no claims or accidents have much lower rates in comparison with drivers with a long claim history.
- Discount for New Cars - Adding a new car to your policy may earn a small discount due to better safety requirements for new vehicles.
- Theft Deterrent Discount - Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your Yuba City auto insurance quote.
A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you're out of luck.
Insurance companies that have these money-saving discounts possibly include:
If you want cheaper Yuba City auto insurance quotes, ask each company which credits you are entitled to. Some credits might not be available to policyholders in Yuba City. If you would like to view insurance companies that offer some of these discounts in Yuba City, click here.
Why your price might be higher
Multiple criteria are used when you get a price on insurance. Some are obvious such as your driving record, but some are less obvious such as whether you are married or your vehicle rating. A large part of saving on insurance is knowing some of the things that are used to determine the rates you pay for insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with cheaper rates.
Listed below are some of the major factors used by companies to determine your rate level.
Liability insurance preserves assets - The liability coverage on your policy provides coverage when you are ruled to be at fault for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Premiums go up with performance - The make and model of the car or truck you are trying to find cheaper insurance for makes a huge difference in your auto insurance rates. The cheapest insurance rates are usually found on lower cost passenger models, but other factors influence the final cost greatly.
Your location is important - Having an address in small towns and rural areas may provide you with better prices when buying insurance. People in densely populated areas regularly have traffic congestion and more severe claims. Fewer people means less chance of accidents as well as less vandalism and auto theft.
More policies can equal more savings - Most insurance companies apply discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you still need to compare other rates to help ensure you have the lowest rates. You may still be able to save money by splitting coverages up.
The more you drive the more you pay - The more you drive annually the higher the price you pay to insure it. A lot of companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. It's a smart idea to ensure your insurance coverage reflects the correct driver usage, because improper ratings can cost you money.
Safer cars cost less to insure - Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles protect occupants better and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates. If your car or truck is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Policy add-ons add up - Policies have extra coverages that can add up when buying insurance. Insurance for replacement cost coverage, towing, and membership fees are examples of these. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
Can a thief steal your car? - Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your car from being stolen.
Do I need special coverages?
When quoting and choosing insurance from an agent or online for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else's.
Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.
- Is there coverage for injuries to my pets?
- Which is better, split liability limits or combined limits?
- Do I need added coverage for expensive stereo equipment?
- Do I need rental car coverage?
- Is rental equipment covered for theft or damage?
- Is business equipment covered while in my vehicle?
- What is GAP insurance?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It's fast, free and can provide invaluable advice.
Local neighborhood agents and car insurance
A lot of people would prefer to go talk to an agent and that can be a great decision Good agents are highly skilled in risk management and give you someone to call. One of the best bonuses of getting free rate quotes online is you may find the best rates but still work with a licensed agent. Supporting local agents is still important in Yuba City.
After completing this quick form, your insurance coverage information is instantly submitted to participating agents in Yuba City who can give free rate quotes to get your business. There is no need to visit any agencies since rate quotes are delivered directly to you. If you need to compare rates from a particular provider, just go to their quote page to submit a rate quote request.
Is an exclusive or independent auto insurance agent right for you?
If you are wanting to find a local agent, it can be helpful to understand the types of agencies that you can select. Agents are classified as either independent (non-exclusive) or exclusive. Either one can sell and service car insurance coverage, but it's good to learn the difference between them since it may influence the selection process.
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel can quote rates with many companies so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you. When comparing car insurance prices, you should always compare quotes from a couple of independent agencies to get the best comparison. A lot of them also have access to additional companies that you may not be familiar with which may have better rates.
Exclusive Insurance Agents
Agents of this type can only provide one company's prices and examples are AAA, Allstate, and State Farm. They are unable to provide prices from multiple companies so keep that in mind. Exclusive agencies receive a lot of sales training on their company's products and that enables them to sell even at higher rates. Some insured continue to buy from the same agent for years partially due to the prominent brand name rather than having the cheapest rates.
Choosing an insurance agency shouldn't rely on just the price. A good agent in Yuba City will have answers to these questions.
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they feel the quoted coverages are adequate?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are all drivers listed on the coverage quote?
- How much will you save each year by using a higher deductible?
- Did they already check your driving record and credit reports?
- Is the agency involved in supporting local community causes?
Do drivers who switch really save?
Consumers in California can't ignore all the ads for cheaper auto insurance from companies such as State Farm, GEICO and Progressive. All the companies convey the message about savings just by switching your policy.
How do they all cost less than your current company? It's all in how they say it.
Insurance providers require specific criteria for the type of driver that is profitable for them. A good example of this type of insured should be between the ages of 30 and 45, owns a home, and drives a safe vehicle. Anybody that fits those parameters will get the preferred rates in Yuba City and therefore will cut their auto insurance rates if they switch.
Consumers who do not meet those standards may be forced to pay a higher premium which translates to the customer not purchasing. If you listen closely, the ads state "drivers who switch" but not "all drivers who get quotes" can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote.
This really illustrates why you really should compare as many free Yuba City auto insurance quotes as you can. Because you cannot predict with any certainty which company will give you the biggest savings.
The best insurance company isn't always the cheapest
Drivers change insurance companies for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, unfair underwriting practices or denial of a claim. It doesn't matter what your reason, choosing a new company can be less work than you think.
Some insurance providers do not offer online rate quotes and these regional insurance providers only sell through independent insurance agents. The cheapest car insurance in Yuba City can be found online and from local agencies, and you should compare price quotes from both so you have a total pricing picture.
We just presented a lot of information how to reduce car insurance auto insurance rates online in Yuba City. The most important thing to understand is the more you quote Yuba City auto insurance, the better your comparison will be. Consumers may even find the lowest auto insurance rates come from the smaller companies.
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