Are you looking for a better way to compare more competitive car insurance rates in Oroville, CA? Online price comparisons for affordable Oroville auto insurance can be difficult if you've never received online car insurance quotes. But don't surrender to high rates because finding affordable coverage is easier than you think.

Astonishing but true, the vast majority of drivers have been with the same company for a minimum of four years, and 38% of drivers have never quoted rates to find lower-cost coverage. Oroville consumers could save $469 each year, but they don't want to take the time to compare rates online.

You should make it a habit to compare premium rates once or twice a year because car insurance rates change quite often. Even if you got the lowest premium rates on car insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because it's time to teach you the best way to save money, get proper coverage and the best rates.

If you already have coverage, you will most likely be able to lower your rates using this strategy. Buying the cheapest car insurance policy in Oroville is not as hard as you may think. But California drivers do need to understand the methods companies use to determine how much to charge because it can help you find the best coverage.

Cheap auto insurance in Oroville, CA

The auto insurance companies shown below offer comparison quotes in Oroville, CA. To get cheaper auto insurance in California, we suggest you visit two to three different companies to find the most affordable auto insurance rates.

Insurance Price Estimates for Popular Vehicles in Oroville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,688 $844 $141
Chevrolet Silverado LTZ Crew Cab 2WD $1,796 $898 $150
Dodge Ram Quad Cab Laramie 2WD $1,332 $666 $111
Ford Escape Limited 4WD $1,272 $636 $106
Ford Explorer Eddie Bauer 2WD $1,388 $694 $116
Ford F-150 FX2 Super Cab 2WD $1,292 $646 $108
Ford Focus SEL 4-Dr Sedan $1,538 $769 $128
Ford Fusion SEL 4-Dr Sedan $1,324 $662 $110
Honda Accord LX 4-Dr Sedan $986 $493 $82
Honda CR-V LX 4WD $986 $493 $82
Honda Civic EX 4-Dr Sedan $1,512 $756 $126
Nissan Altima 2.5 S 4-Dr Sedan $1,840 $920 $153
Nissan Rogue SL 2WD $1,422 $711 $119
Toyota Camry LE $1,172 $586 $98
Toyota Corolla XLE $1,854 $927 $155
Get Your Own Custom Quote Go

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in garaging location in Oroville which can lower or raise coverage rates considerably.

Auto insurance deductibles

The diagram below illustrates how your deductible choice and can raise or lower Chevrolet Tahoe insurance premiums for each different age category. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparison of auto insurance rates by age and gender

The example below shows the difference between auto insurance rates for male and female drivers in Oroville. The price estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in on a Ford Escape XLS.

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

Oroville car insurance discounts

Car insurance is easily one of your largest bills, but you might already qualify for some discounts that can help lower your rates. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them. If you check and find you aren't receiving every discount you qualify for, you could be paying more than you need to.Cheaper car insurance with discounts

Policy discounts save money, but most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Even though it appears you would end up receiving a 100% discount, you won't be that lucky.

A list of companies and their possible discounts can be found below.

When quoting, ask every company how you can save money. Savings may not apply everywhere. If you would like to see a list of providers who offer car insurance discounts in Oroville, click this link.

Exclusive or independent car insurance agents

A lot of people just prefer to talk to an insurance agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is that you can obtain the lowest rates and still have an agent to talk to.

Insurance agency in OrovilleOnce you complete this form (opens in new window), your information gets sent to local insurance agents in Oroville who will give you quotes for your business. You don't have to search for an agent since rate quotes are delivered directly to you. You can find better rates and a licensed agent to work with. If for some reason you want to get a comparison quote from one company in particular, you just need to jump over to their website to submit a rate quote request.

Picking an provider should include more criteria than just the quoted price. Here are some questions you should ask.

Can you really save if you switch?

Car insurance companies such as Allstate, GEICO and Progressive continually stream ads on TV and radio. They all say the same thing that drivers will save a bundle if you switch your policy. How do they all say the same thing? It's all in the words they use.

Most companies give the cheapest rates for the type of customer that earns them the most money. For instance, a profitable risk profile may need to be a mature driver, has no prior claims, and insures a new vehicle. Any person who matches that profile will probably get cheap auto insurance rates and is almost guaranteed to cut their rates substantially.

Potential customers who fall outside these stringent criteria may be forced to pay more expensive rates which usually ends up with the customer buying from someone else. The ads say "customers that switch" not "all people who quote" will save that much if they switch. That is how companies can truthfully make claims like that. Because every company is different, it is so important to compare many company's premium rates. It is impossible to guess which company will have the best auto insurance rates for your profile.

Parts of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, nursing services and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your vehicle resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and damage to your vehicle.

Because many people have only the minimum liability required by law (15/30/5 in California), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability

This provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/5 that translate to $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, hail damage, a tree branch falling on your vehicle and theft. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Car insurance claims by make and model

What vehicles have the fewest claims? The statistics tables below list the highest and lowest vehicle models for likelihood of having claims for each type of coverage listed.

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Sentra
Tesla Model S Chrysler 200
Land Rover Range Rover Sport Hyundai Accent
Ford F-350 SuperCrew Nissan Versa
Ford Expedition Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Audi RS7
Mini Cooper Bently Continental GTC
GMC Canyon Ferrari 458
Jeep Wrangler Bently Continental GT
Smart ForTwo BMW M6
Ford F-250 SuperCab BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Liability Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Kia Optima
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Chevrolet Sonic
Acura MDX Mitsubishi Lancer
Subaru Outback Kia Rio
Audi A6 Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
Ford F-350 BMW M6
Chevy Spark BMW M6
Nissan Leaf Bentley Continental GTC
Volvo V60 Mercedes-Benz S Class
GMC Sierra 2500 Porsche Panamera GTS
Infiniti QX50 Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Don't give up on affordable rates

When you buy Oroville auto insurance online, don't be tempted to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret that it was a big error on their part. The goal is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

We just presented a lot of techniques to compare insurance car insurance rates in Oroville. It's most important to understand that the more providers you compare, the higher your chance of finding cheaper Oroville auto insurance quotes. You may even find the most savings is with a smaller regional carrier.

Drivers leave their current company for any number of reasons including high rates after DUI convictions, lack of trust in their agent, denial of a claim or high prices. It doesn't matter what your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

More detailed insurance information is located at these sites: