There isn't a single person who enjoys paying for insurance, especially knowing their premiums are through the roof.
It's hard to believe, but the vast majority of insurance customers in California kept their policy with the same company for more than four years, and practically 40% of insurance customers have never shopped around. Drivers in the U.S. can save approximately 47% each year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes online.
Popular companies such as GEICO, Progressive and Allstate all promote huge savings with ad campaigns and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.
Companies offering low-cost rates in Yucca Valley, CA
The companies shown below are our best choices to provide free rate quotes in Yucca Valley, CA. To find the best car insurance in California, it's a good idea that you visit two to three different companies to find the most affordable auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT AWD||$1,458||$729||$122|
|Chevrolet Silverado LT Crew Cab 2WD||$1,730||$865||$144|
|Dodge Ram Quad Cab Laramie 2WD||$1,196||$598||$100|
|Ford Escape XLS 2WD||$1,328||$664||$111|
|Ford F-150 XLT Super Cab 4WD||$1,476||$738||$123|
|Ford Focus SE 4-Dr Sedan||$1,848||$924||$154|
|Honda Accord EX 4-Dr Sedan||$1,094||$547||$91|
|Honda CR-V EX-L 4WD||$1,190||$595||$99|
|Honda Civic SI 4-Dr Sedan||$1,326||$663||$111|
|Honda Odyssey EX-L W/Navigation||$1,102||$551||$92|
|Hyundai Sonata SE 4-Dr Sedan||$1,332||$666||$111|
|Jeep Grand Cherokee Limited 2WD||$1,324||$662||$110|
|Nissan Altima Hybrid 4-Dr Sedan||$1,260||$630||$105|
|Toyota Camry LE||$1,332||$666||$111|
|Toyota Corolla XRS||$1,916||$958||$160|
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in garaging location in Yucca Valley which can revise premiums noticeably.
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The following tables lay out the rate differences of buying low and high policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
GMC Acadia 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|
|Acadia SL 2WD||$298||$472||$442||$26||$132||$1,395||$116|
|Acadia SL AWD||$342||$472||$442||$26||$132||$1,439||$120|
|Acadia SLE 2WD||$342||$472||$442||$26||$132||$1,439||$120|
|Acadia SLE AWD||$342||$576||$442||$26||$132||$1,543||$129|
|Acadia SLT 2WD||$342||$576||$442||$26||$132||$1,543||$129|
|Acadia SLT AWD||$386||$576||$442||$26||$132||$1,587||$132|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$184||$298||$442||$26||$132||$1,082||$90|
|Acadia SL AWD||$210||$298||$442||$26||$132||$1,108||$92|
|Acadia SLE 2WD||$210||$298||$442||$26||$132||$1,108||$92|
|Acadia SLE AWD||$210||$362||$442||$26||$132||$1,172||$98|
|Acadia SLT 2WD||$210||$362||$442||$26||$132||$1,172||$98|
|Acadia SLT AWD||$238||$362||$442||$26||$132||$1,200||$100|
|Get a Quote for Your Vehicle Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific zip code location which can affect auto insurance rates significantly.
Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $29 more each month or $348 a year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 26 months between claim filings, you would most likely save money by going with a higher deductible.
Careless drivers pay higher rates
The information below demonstrates how speeding tickets and at-fault accidents impact Chevrolet Silverado annual premium costs for different age categories. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Car insurance policy discounts
Companies offering auto insurance don't necessarily list their entire list of discounts in an easy-to-find place, so the following list contains some of the more common and also the lesser-known credits available to bring down your rates.
- Passenger Safety Discount - Factory options such as air bags or automatic seat belts may get savings of 20% or more.
- E-sign - A few car insurance companies will give you a small discount for buying your policy on the internet.
- Organization Discounts - Having an affiliation with a civic or occupational organization in Yucca Valley could qualify you for a break on car insurance.
- Telematics Data - Insureds who allow their company to spy on where and when they drive remotely such as Progressive's Snapshot and State Farm's In-Drive may get a rate reduction if they exhibit good driving behavior.
- Defensive Driver Discounts - Participating in a class that teaches driver safety techniques is a good idea and can lower rates if you qualify.
As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like you could get a free car insurance policy, insurance companies wouldn't stay in business. But all discounts will reduce the amount you pay for coverage.
A few of the larger companies and a selection of discounts include:
- Progressive may have discounts that include multi-policy, continuous coverage, online signing, online quote discount, homeowner, and multi-vehicle.
- Farmers Insurance has discounts for good student, youthful driver, teen driver, bundle discounts, homeowner, multi-car, and electronic funds transfer.
- Farm Bureau policyholders can earn discounts including good student, youthful driver, driver training, 55 and retired, and multi-policy.
- State Farm discounts include Steer Clear safe driver discount, student away at school, passive restraint, multiple policy, multiple autos, and defensive driving training.
- GEICO offers premium reductions for federal employee, seat belt use, defensive driver, membership and employees, five-year accident-free, and multi-policy.
- SAFECO may include discounts for multi-car, anti-lock brakes, anti-theft, teen safe driver, and safe driver.
- Liberty Mutual offers discounts including newly retired, newly married, new vehicle discount, preferred payment discount, and safety features.
Check with each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in Yucca Valley. To choose car insurance companies that offer many of these discounts in California, click here.
Informed consumers can cut their auto insurance rates
An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other factors are not as apparent like where you live or how financially stable you are.
The items below are a few of the "ingredients" used by insurance companies to determine rates.
Only buy add-on coverages you need - Insurance companies have many additional extra coverages that sound like a good idea at the time but may not be useful. Things like coverage for rental cars, high-cost glass coverage, and membership fees are examples of these. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Cheaper rates by combining - Most major companies allow lower prices to people that have more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's always a smart idea to comparison shop to ensure the best deal. Drivers may still save money by splitting coverages up.
Why do you need liability coverage? - Your auto insurance policy's liability coverage will protect you if ever you are found to be at fault for an accident. Your policy's liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Cheaper rates using alarm systems - Buying a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart theives like GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.
Do I need an agent?
Certain consumers would prefer to visit with an insurance agent and that can be a great decision A good thing about price shopping on the web is you may find the best rates and still buy from a local agent.
To help locate an agent, after submitting this quick form, the coverage information is immediately sent to companies in Yucca Valley that give free quotes for your insurance coverage. There is no reason to leave your house since rate quotes are delivered directly to you. You'll get the best rates without the usual hassles of price shopping. If you wish to get a rate quote from one company in particular, just search and find their rate quote page and submit a quote form there.
Finding a good company should depend on more than just a cheap price. Below are some questions you should ask.
- Do they offer claims assistance after hours?
- Do they review policy coverages at every renewal?
- How long has the business existed?
- Can they give you a list of client referrals?
- Do you need full coverage on every vehicle?
Don't listen to company ads
Car insurance companies such as Allstate, GEICO and Progressive consistently run television, radio, and online ads. They all seem to seem to make the promise about savings if you get a free Yucca Valley auto insurance quote and switch your car insurance coverage to their company. But how can every company make almost identical claims? You have to listen carefully.
All the different companies require specific criteria for the type of driver that earns them the most money. An example of this type of driver might be described as between the ages of 30 and 50, owns a home, and does not commute to work. A customer that matches those criteria will most likely get cheap prices and most likely will save when they switch companies.
Insureds who do not fit the "perfect" profile will see higher premium rates and the customer buying from someone else. If you listen to the ad wording, they say "drivers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's the way companies can lure you into getting a quote. This really illustrates why drivers must get price quotes at each policy renewal. It is impossible to guess which company will give you the biggest savings.
Don't give up on cheaper premiums
Cheaper auto insurance in Yucca Valley is available on the web and from local agencies, and you should be comparing both to have the best selection. A few companies may not offer rate quotes online and many times these small, regional companies provide coverage only through local independent agents.
We just presented many ways to get a better price on auto insurance in Yucca Valley. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.
To read more, take a look at these articles:
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- How Much is California Car Insurance for College Graduates? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in California? (FAQ)
- Who Has Cheap California Auto Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in California? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)