Are you drained from being strong-armed to insure your vehicles every month? You have the same problem as most other consumers in California.

It's hard to believe, but a large majority of drivers kept their policy with the same company for over three years, and nearly the majority have never shopped around. Consumers in Victorville can save about $469 each year just by comparing rates, but they won't spend time to find lower-cost insurance by shopping around. Many insurers compete for your business, and because of this it can be hard to compare insurers and get the definite lowest rate on auto insurance.

It's a good idea to get comparison quotes occasionally because rates are usually higher with each renewal. Despite the fact that you may have had the best deal on auto insurance on your last policy a different company probably has better prices today. Ignore everything you know about auto insurance because you're going to get a crash course in the fastest way to properly buy coverages and cut your premium.

Cutting your car insurance rates is a great way to save money. You just need to take time comparing price quotes online from several insurance companies.

Getting rates online is very simple and it makes it a waste of time to go to each insurance agency near you. Doing it all online makes this process obsolete unless you have a need for the advice and guidance of a local agency. Drivers can get prices online and get advice from an agent in your area.

The companies shown below provide price comparisons in California. In order to find cheap auto insurance in California, it's a good idea that you click on several of them to find the most affordable car insurance rates.

Insurance Rates for Popular Vehicles in Victorville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,404 $702 $117
Dodge Ram Quad Cab ST 2WD $1,192 $596 $99
Ford Escape Limited 4WD $942 $471 $79
Ford F-150 STX Regular Cab 4WD $992 $496 $83
Ford Focus SEL 4-Dr Sedan $1,538 $769 $128
Ford Fusion Sport AWD 4-Dr Sedan $1,578 $789 $132
Honda Accord LX-S 2-Dr Coupe $1,720 $860 $143
Honda CR-V EX 2WD $1,228 $614 $102
Honda Civic DX 4-Dr Sedan $1,118 $559 $93
Hyundai Sonata Limited 4-Dr Sedan $1,306 $653 $109
Jeep Wrangler Sport 4WD 2-Dr $1,136 $568 $95
Kia Optima LX $1,570 $785 $131
Mazda 3 I Sport 4-Dr Sedan $1,048 $524 $87
Nissan Altima 2.5 S 4-Dr Sedan $1,080 $540 $90
Toyota Camry XLE $1,404 $702 $117
Toyota Corolla XRS $1,422 $711 $119
Volkswagen Jetta SEL 4-Dr Sedan $1,660 $830 $138
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can decrease or increase rates considerably.

An analysis of deductible level

The chart below shows how different deductible levels and can influence Nissan Altima insurance premiums for different insured age categories. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Can higher deductibles save money?

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The data tables below determine the rate difference when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $380 $686 $500 $30 $150 $1,771 $148
Optima EX $430 $810 $500 $30 $150 $1,945 $162
Optima SX $430 $810 $500 $30 $150 $1,945 $162
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Kia Optima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $278 $464 $500 $30 $150 $1,422 $119
Optima EX $314 $546 $500 $30 $150 $1,540 $128
Optima SX $314 $546 $500 $30 $150 $1,540 $128
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in Victorville location which can alter premium rates significantly.

Based on this data, using a $100 deductible will cost you approximately $32 more each month or $384 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $157
Average monthly premium for $500 deductibles (subtract): - $125
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One big caveat is that raising deductibles results in more money out-of-pocket when you have to file a claim. You need to make sure you have enough disposable income in the event you need to pay more for the deductible.

Full coverage or liability only

The illustration below examines Honda Pilot premium costs with and without physical damage coverage. The premiums assume no accidents or driving violations, $1,000 deductibles, married female driver, and no discounts are taken into consideration.

Honda Pilot 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 specific rule to delete comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Honda Pilot settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If you are paying in excess of $500 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Insuring your vehicle just makes sense

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

The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying more than $750 every year so compare rate quotes each time the policy renews to make sure the price is not too high.

Buy cheap insurance with these tips

It's important that you understand the rating factors that help determine insurance rates. If you know what determines premiums, this allows you to make good choices that may reward you with lower rates. Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are not as apparent such as whether you are married or how financially stable you are.

Listed below are most of the major factors used by insurance companies to determine prices.

Pay less after the wedding - Your spouse may earn you lower rates on your policy. Having a spouse may mean you are more financially stable and statistics show married drivers get in fewer accidents.

Incidental coverages you don't use - Insurance policies have a lot of add-on coverages that may not really be needed when buying insurance. Coverages like rental car coverage, death and dismemberment, and membership fees may be wasting your money. They may seem good when talking to your agent, but if you have no use for them remove them from your policy.

Save money with theft deterrents - Buying a car with a theft deterrent system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent car theft and help bring rates down.

High credit scores save money - Your credit score is a big factor in your rate calculation. People with very good credit scores tend to be less risk to insure than drivers with lower credit ratings. Therefore, if your credit history is lower than you'd like, you could potentially save money when insuring your vehicle by improving your credit score.

These discounts can lower your insurance rates

Some insurers don't list every disount available in an easy-to-find place, so the following is a list of some of the more common as well as the least known credits that you can use to lower your rates.Discount insurance

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you could get a free insurance policy, insurance companies aren't that generous.

To find insurance companies who offer discounts in Victorville, follow this link.

How do I know if I need professional advice?

When quoting and choosing adequate coverage for your vehicles, there is no one-size-fits-all type of policy. Everyone's needs are different.Safe vehicles cost less to insure

For example, these questions can help discover whether or not you will benefit from professional help.

If you're not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

What if I want to buy from local Victorville car insurance agents?

Some people would prefer to go talk to an agent and that is just fine! Experienced insurance agents are trained to spot inefficiencies and will help you if you have claims. One of the great benefits of getting free rate quotes online is the fact that drivers can get lower rates and still have a local agent. And supporting local insurance agencies is important particularly in Victorville.

Find insurance agent in VictorvilleTo make it easy to find an agent, after completing this quick form, your insurance data gets sent to companies in Victorville who will return price quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies because prices are sent immediately to you. If you have a need to get a rate quote from one company in particular, don't hesitate to find their quoting web page to submit a rate quote request.

If you want to use a local Victorville insurance agency, you need to know there are two types of agencies and how they are distinctly different. Agencies in Victorville are classified as either exclusive or independent agents depending on their company appointments. Either type can write car insurance policies, but it is important to understand the difference between them because it can impact which agent you choose.

Independent Car Insurance Agencies

These agents can quote rates with many companies and that is an advantage because they can write policies through lots of different companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier and the insured can keep the same agent.

When comparing rates, it's recommended you include rate quotes from a few independent agents to maximize your price options.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with such as State Farm, Allstate, and Farm Bureau. They are unable to provide other company's prices so keep that in mind. Exclusive insurance agents are well trained in insurance sales and that can be a competitive advantage.

Selecting a insurance agent requires more thought than just a cheap price quote. A good agent in Victorville will have answers to these questions.

Car insurance claims by make and model

Which vehicles tend to have fewer claims? The following statistics show the highest and lowest vehicle models for overall likelihood of having to file claims for each type of coverage.

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Outback Kia Optima
Fiat 500 Chrysler 200
Volvo XC60 Dodge Charger
Acura MDX Hyndai Accent
Audi A6 Chevrolet Impala

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

Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Xterra BMW 6 Series
Jeep Wrangler Bentley Continental Flying Spur
Mini Cooper Maserati Ghibli
Ford Edge Nissan GT-R
Ford F-250 SuperCab Bently Continental GTC
Chevrolet Colorado Maserati Granturismo

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Xterra Bentley Continental GTC
Chevy Spark Maserati Quattroporte
GMC Sierra 2500 Audi S7
Chevy Silverado 2500 Mercedes-Benz S Class
Volvo V60 BMW M6
Ford F-350 Porsche Panamera GTS

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

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Chevrolet Sonic
Tesla Model S Hyundai Accent
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Nissan Versa
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 2500 Dodge Charger

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

Compare but don't skimp

We covered some good ideas how to compare insurance car insurance rates in Victorville. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates come from the smaller companies.

People leave their current company for a number of reasons such as unfair underwriting practices, policy non-renewal, extreme rates for teen drivers and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.

A few companies may not provide rates over the internet and most of the time these smaller companies work with independent agents. Discount insurance is possible from both online companies and with local Victorville insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Additional insurance information can be found below: