Are you tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than most other vehicle owners in California.
It's hard to fathom, but a large majority of drivers kept their coverage with the same car insurance company for at least the last four years, and 38% of customers have never compared rates to find cheaper insurance. The average driver in Alhambra could cut their rates by nearly 35% a year by just comparing quotes, but most tend to underestimate the big savings they would realize if they switch to a new company.
Due to the abundance of options when it comes to car insurance, it can be impossible to find the best insurance company.
It's a good idea to check car insurance prices every six months due to the fact that insurance prices tend to go up over time. Even if you got the lowest rate on car insurance a year ago you may be paying too much now. Block out anything you think you know about car insurance because we're going to show you one of the best ways to save on car insurance.
Locating the best rates in Alhambra can initially seem challenging. Essentially anyone who has to purchase car insurance should be able to save money. Nevertheless, California drivers can benefit by having an understanding of the way companies determine prices and use this information to your advantage.
Auto insurance companies in California
The companies shown below are our best choices to provide free rate quotes in Alhambra, CA. If you wish to find the cheapest auto insurance in California, it's highly recommended you get rates from several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,192||$596||$99|
|Chevrolet Silverado LT Crew Cab 4WD||$1,830||$915||$153|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,570||$785||$131|
|Ford Edge SEL 2WD||$1,146||$573||$96|
|Ford Escape XLS 4WD||$868||$434||$72|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$1,302||$651||$109|
|Ford Focus SES 4-Dr Sedan||$1,380||$690||$115|
|Ford Fusion S 4-Dr Sedan||$1,172||$586||$98|
|GMC Sierra Denali Crew Cab 4WD||$1,726||$863||$144|
|Honda Accord LX 4-Dr Sedan||$1,102||$551||$92|
|Honda CR-V LX 2WD||$1,324||$662||$110|
|Honda Civic DX 4-Dr Sedan||$1,450||$725||$121|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,830||$915||$153|
|Toyota Camry LE||$1,334||$667||$111|
|Toyota Corolla XLE||$1,416||$708||$118|
|Toyota RAV4 4WD||$1,688||$844||$141|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can lower or raise insurance rates substantially.
Tickets and at-fault accidents raise rates
The illustration below shows how traffic citations and at-fault claims influence Ford Escape insurance costs for different age groups of insureds. The costs are based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Can higher deductibles save money?
One frequently asked question is what deductibles to buy. The following insurance rates may help to conceptualize the cost difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price table 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|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can impact coverage rates significantly.
We can derive from the above data that using a $100 deductible would cost the average driver about $48 more each month or $576 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 19 months between claims, you would save money if you choose a higher deductible.
Take advantage of every insurance discount
Insurance can be pricey, but there may be some discounts to help bring down the price. Many discounts should be triggered when you quote, but a few must be inquired about prior to receiving the credit.
- Accident Forgiveness - This one isn't a discount, but a few companies such as State Farm and Allstate will allow you to have one accident before hitting you with a surcharge if you have no claims prior to the accident.
- Discounts for Government Workers - Having worked for a branch of the government may qualify for a discount when you quote Alhambra car insurance depending on your insurance provider.
- Student in College - Any of your kids who live away from home to go to college and won't have access to an insured vehicle could qualify for this discount.
- Bundled Policy Discount - If you can combine your home and auto policy and place coverage with the same company you could save up to 20% and get you cheap Alhambra car insurance.
- Defensive Driver Discounts - Participating in a course in safe driver could possibly earn you a 5% discount and make you a better driver.
- Anti-theft Discount - Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your Alhambra car insurance quote.
- Early Renewal Discounts - Some insurance companies provide a discount for renewing your policy early. You can save around 10% with this discount.
Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance policy, nobody gets a free ride.
Some of the larger companies that may include these money-saving discounts include:
Before you buy a policy, ask every insurance company which discounts they offer. A few discounts may not be available in Alhambra. To see insurance companies with the best insurance discounts in Alhambra, click here to view.
Your auto insurance coverage should be tailored to you
Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different and your auto insurance should be unique as well. For example, these questions may help highlight whether you might need an agent's assistance.
- Do I get a pro-rated refund if I cancel my policy early?
- If my pet gets injured in an accident are they covered?
- Is my camper covered for physical damage?
- Do I have coverage if my license is suspended?
- Am I covered when driving someone else's vehicle?
- Should I have combined single limit or split liability limits?
- What does UM/UIM cover?
- Should I buy full coverage?
- How many claims can I have before being cancelled?
If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Buying from auto insurance agents
A lot of people would rather buy from a licensed agent and that can be a smart move A good thing about price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent.
Once you complete this quick form, your insurance coverage information is instantly submitted to local insurance agents who will give you quotes for your insurance coverage. There is no need to search for any insurance agencies because prices are sent to you directly. You can find the lowest rates and a licensed agent to work with. If you have a need to compare rates for a specific company, you can always visit that company's website and submit a quote form there.
Finding a good insurer requires more thought than just a low price. These questions are important to ask:
- What insurance companies do they recommend if they are an independent agent?
- Does their agency support local causes in Alhambra?
- How often do they review coverages?
- Do they have a Better Business Bureau rating in Alhambra?
- Which companies can they place coverage with?
- Is auto insurance their primary focus in Alhambra?
- Is the quote a firm price?
Choose an insurance agent wisely
If you need to find local Alhambra agents, you must know there are a couple types of insurance agents and how they can quote your rates. Alhambra agents can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are highly trained on what they offer which helps offset the inability to provide other markets.
Independent Insurance Agents
Agents that elect to be independent can sell policies from many different companies so they can insure your vehicles through lots of different companies and get you the best rates possible. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent. When comparison shopping, it's recommended you include multiple independent agents so that you can do a thorough price comparison.
If you receive satisfactory answers to your questions as well as the cheapest Alhambra car insurance quotes, it's possible that you found an insurance agent that is reliable enough to properly service your insurance policy. Just be aware that you have the power to terminate your policy at any point so don't feel that you're stuck with any specific company with no way to switch.
Big names are not always cheapest
Respected companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all seem to advertise claims that drivers can save some big amount if you switch your coverage to them. How is it possible that every company can give you a lower rate on auto insurance? It's all in the numbers.
Insurance providers quote their cheapest rates for the type of customer that earns them the highest profit. For example, a profitable insured should be between the ages of 30 and 45, has no tickets, and has great credit. A propective insured who meets those qualifications will probably get cheap rates as well as save when they switch companies.
Consumers who fall outside the ideal profile will get higher rates with the end result being business not being written. Company advertisements say "drivers who switch" but not "everyone who gets a quote" can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great car insurance rates. Because of these techniques, you absolutely need to do a quote comparison often. Because without a comparison, you cannot know the company that will give you the biggest savings.
Car insurance coverages 101
Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle's damage.
Since a lot of drivers have only the minimum liability required by law (15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.
This coverage protects you from damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability insurance covers things like loss of income, legal defense fees, structural damage and attorney fees. How much coverage you buy is up to you, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like crashing into a building, crashing into a ditch, colliding with a tree, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is 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 surgery, hospital visits, EMT expenses, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Persistence pays off
We covered quite a bit of information on how to find cheaper coverage online. It's most important to understand that the more you quote Alhambra car insurance, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from the smaller companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.
Cheap insurance in Alhambra can be sourced on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has Affordable California Car Insurance Rates for Handicapped Drivers? (FAQ)
- What Car Insurance is Cheapest for a Ford Explorer in California? (FAQ)
- What is the Cheapest Auto Insurance in Oxnard, California? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Forester in California? (FAQ)
- Which Company has the Cheapest Car Insurance in Irvine, California? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Car Insurance: When not to Skimp (BankRate.com)