How long has it been since you sat down and looked for the cheapest auto insurance rates in Berkeley, CA? Have you had enough of paying out the nose to insure your vehicles every month? You are no different than many other California consumers.

A recent auto insurance study revealed that nearly 70% of consumers kept their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. With the average auto insurance premium being $1,390, Berkeley drivers could save themselves up to 35% a year, but most undervalue how much they could save if they replace their high priced policy. There is such a variety of insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it makes it harder to adequately compare rates.

Our objective in writing this article is to teach you the most effective ways to compare rates and some money-saving tips. If you are paying for car insurance now, you will be able to buy cheaper car insurance using the concepts you're about to learn. Comparison shoppers just need to understand the proper methods to shop their coverage around online.

What impacts Berkeley car insurance rates?

Lots of things are used when pricing auto insurance. Some are obvious like a motor vehicle report, but others are not quite as obvious such as whether you are married or how safe your car is. Consumers need to have an understanding of the rating factors that go into determining the rates you pay for insurance. If you know what determines base rates, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The items below are some of the items that factor into your rates.

Getting a cheap price on insurance is not rocket science. Consumers just need to spend a few minutes on the computer comparing free Berkeley auto insurance quotes to find the company with cheaper Berkeley auto insurance quotes.

Comparing quotes online is fast and free, and it replaces the need to physically go to local Berkeley insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless you want the professional assistance of a local Berkeley agent. If you prefer, some companies allow you to compare the best prices online and have a local Berkeley agent actually service the policy.

The providers in the list below can provide free rate quotes in Berkeley, CA. If your goal is to find cheap auto insurance in California, it's highly recommended you compare several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Berkeley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $942 $471 $79
Chevrolet Silverado LS Extended Cab 2WD $1,588 $794 $132
Dodge Ram Crew Cab Sport 4WD $1,530 $765 $128
Ford Edge Limited 2WD $1,680 $840 $140
Ford Escape XLT 2WD $1,178 $589 $98
Ford Explorer Eddie Bauer 2WD $1,476 $738 $123
Ford F-150 SVT Raptor Super Cab 4WD $1,562 $781 $130
Ford Focus SES 4-Dr Sedan $1,422 $711 $119
GMC Sierra SL Extended Cab 2WD $1,342 $671 $112
Honda Accord EX-L 2-Dr Coupe $1,730 $865 $144
Honda CR-V EX 4WD $1,126 $563 $94
Honda Civic EX 2-Dr Coupe $1,650 $825 $138
Hyundai Elantra GLS 4-Dr Sedan $1,424 $712 $119
Jeep Grand Cherokee Laredo 2WD $1,758 $879 $147
Mazda 3 I SV 4-Dr Sedan $1,142 $571 $95
Nissan Altima 2.5 4-Dr Sedan $1,322 $661 $110
Toyota Camry LE $1,752 $876 $146
Toyota Corolla S $1,452 $726 $121
Toyota Tacoma Double Cab 4WD $1,538 $769 $128
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific Berkeley garaging location which can raise or lower rates greatly.

Berkeley insurance rates: Men versus women

The chart below shows the difference between premium costs for male and female drivers in Berkeley. The costs are based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied on a GMC Acadia SLE.

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

Auto insurance does more than just repair your car

Even though rates can get expensive, maintaining insurance is mandatory in California but it also protects more than you think.

The benefits of insuring your car outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays more than $800 each year so it's important to compare rates at every renewal to save money.

You may qualify for discounts

Not many people think insurance is cheap, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically at quote time, but some discounts are required to be specially asked for prior to receiving the credit.Save money with discounts

While discounts sound great, it's important to understand that most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

A few companies that possibly offer some of the discounts shown above include:

If you are trying to find inexpensive Berkeley auto insurance quotes, ask each company how many discounts you can get. All car insurance discounts might not be available to policyholders everywhere.

Local neighborhood agents and car insurance

Many people just want to sit down and talk to an agent and that is OK! Good agents can answer important questions and help in the event of a claim. An additional benefit of getting free rate quotes online is you may find the best rates and still have an agent to talk to. Buying insurance from local agencies is important especially in Berkeley.

Upon completion of this simple form, your insurance data is emailed to local insurance agents in Berkeley that give free quotes for your insurance coverage. You don't have to leave your computer because quoted prices will be sent to your email. If for some reason you want to compare rates from a specific insurance company, you can always go to their quote page and give them your coverage information.

Selecting a insurance company needs to be determined by more than just the bottom line cost. Any agent in Berkeley should be willing to answer these questions.

Insurance losses by coverage

Which vehicles statistically have the most claims? The statistics tables below outline the good and bad makes and models for the probability of having large claims for each type of coverage.

Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Hyundai Accent
Chevrolet Corvette Nissan Sentra
Chevrolet Silverado 3500 Kia Forte
Land Rover Range Rover Sport Nissan Versa
Audi A4 Allroad Mitsubishi Lancer
Ford F-350 SuperCrew Chrysler 200

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

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Nissan Xterra Maserati Granturismo
Smart ForTwo BMW 6 Series
Ford Edge Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6
Chevrolet Colorado Maserati Ghibli
GMC Canyon Ferrari 458

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

Lowest and Highest Comprehensive Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Nissan Xterra Audi S7
Volvo V60 Maserati Granturismo
Smart ForTwo Bentley Continental GTC
Chevy Silverado 2500 Maserati Quattroporte
Ford F-350 Porsche Panamera GTS
Nissan Leaf Bentley Continental GT

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

Lowest and Highest Auto Insurance Liability Claims by Manufacturer Model
Lowest Claims Highest Claims
Subaru Outback Hyndai Accent
Mercedes-Benz SL Class Mitsubishi Lancer
Chevrolet Corvette Chrysler 200
Audi A6 Kia Rio
Fiat 500 Chevrolet Impala
Acura MDX Kia Optima

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

A little work can save a LOT of money

You just learned a lot of techniques to lower your insurance prices in Berkeley. The key concept to understand is the more price quotes you have, the better chance you'll have of finding low cost Berkeley auto insurance quotes. Consumers may even find the lowest prices are with an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Cheaper insurance in Berkeley can be purchased online and with local Berkeley insurance agents, so you should compare both to get a complete price analysis. Some companies don't offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Additional learning opportunities