Searching for better insurance prices for a car in California can normally be a lot of work, but you can use these tips to save time. There is a better way to find insurance online so we're going to tell you the absolute fastest way to get price quotes for a and obtain the best price possible from Westminster insurance agents and online providers.

Buying the cheapest car insurance in Westminster can be made easier if you know where to look. If you have coverage now or just want to reduce your rates, use these money-saving tips to buy cheaper car insurance and still get good coverage. Comparison shoppers just need to use the most effective way to compare rates from many different companies.

Best companies for low-cost rate quotes in California

The providers in the list below can provide free quotes in California. If you want to find the cheapest car insurance in California, we recommend you visit several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Westminster
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,702 $851 $142
Chevrolet Malibu LTZ $1,260 $630 $105
Chevrolet Silverado LT Crew Cab 2WD $1,306 $653 $109
Dodge Ram Crew Cab ST 2WD $1,514 $757 $126
Ford Escape XLS 2WD $1,290 $645 $108
Ford Explorer XLT AWD $1,108 $554 $92
Ford F-150 FX2 Super Cab 2WD $1,414 $707 $118
Ford Focus SE 2-Dr Coupe $1,688 $844 $141
Honda Accord LX 4-Dr Sedan $986 $493 $82
Honda CR-V EX 2WD $1,428 $714 $119
Honda Civic LX-S 4-Dr Sedan $1,204 $602 $100
Kia Optima SX $1,410 $705 $118
Mazda 3 S Sport 4-Dr Hatchback $1,324 $662 $110
Nissan Altima 2.5 S 4-Dr Sedan $1,236 $618 $103
Nissan Rogue S 2WD $1,482 $741 $124
Toyota Camry LE $1,532 $766 $128
Toyota Corolla S $1,418 $709 $118
Toyota RAV4 Limited 4WD $1,490 $745 $124
Get Your Own Custom Quote Go

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates substantially.

Comparison of auto insurance rates by gender

The illustration below shows the difference between insurance rates for male and female drivers in Westminster. The costs are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium on a Chevrolet Tahoe LS.

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

Accidents and violations increase rates

The chart below illustrates how speeding tickets and accidents raise Ford Escape insurance costs for each different age category. The premiums assume a single male driver, comp and collision included, $1,000 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.

Seven discounts for lower-cost auto insurance quotes

Companies offering auto insurance don't necessarily list every disount available very well, so below is a list a few of the more common as well as the least known credits available to lower your premiums when you buy Westminster car insurance online.Cheaper auto insurance with discounts

We need to note that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you won't be that lucky. Any amount of discount should help reduce your overall bill.

The best auto insurance companies and a partial list of their discounts include:

It's a good idea to ask every prospective company which discounts can lower your rates. Discounts might not be offered on policies in Westminster. To choose auto insurance companies that offer discounts in California, click here.

You may need specialized auto insurance coverage

Keep in mind that when it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Your situation is unique and your auto insurance should be unique as well.Higher deductibles save money For example, these questions may help highlight whether you might need professional guidance.

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Coverages available on your policy

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Collision coverages - This coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverages - This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for liability - This coverage can cover injuries or damage you cause to people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/5 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability coverage protects against claims like repair bills for other people's vehicles, funeral expenses, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but drivers should carry better liability coverage.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like surgery, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle's damage.

Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto insurance claims by make and model

Which vehicles rank well for chances of having claims? The statistics tables below show the highest and lowest makes and models for overall likelihood of filing claims for each type of coverage listed.

Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Maserati Granturismo
Mini Cooper Maserati Ghibli
Nissan Xterra BMW M6
Chevrolet Colorado Bently Continental GTC
GMC Canyon BMW 6 Series
Ford F-150 SuperCrew Nissan GT-R

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

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Porsche Panamera GTS
Chevy Spark Bentley Continental GT
Nissan Xterra BMW M6
GMC Sierra 2500 Maserati Granturismo
Nissan Leaf Bentley Continental GTC
Smart ForTwo Mercedes-Benz S Class

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

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Dodge Charger
Audi A6 Kia Rio
Volvo XC60 Hyndai Accent
Mercedes-Benz SL Class Kia Optima
Fiat 500 Mitsubishi Mirage
Acura MDX Chevrolet Impala

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

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Chrysler 200
Chevrolet Silverado 2500 Nissan Sentra
Land Rover Range Rover Sport Chevrolet Spark
Ford Expedition Dodge Charger
Audi A4 Allroad Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Versa

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

Get the best coverage at the lowest price

You just learned many ideas to lower your insurance car insurance rates in Westminster. It's most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Cheap insurance in Westminster can be found online in addition to many Westminster insurance agents, so you need to shop Westminster car insurance with both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and these small, regional companies only sell coverage through independent insurance agencies.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best possible price, not the least amount of coverage.

Additional insurance information can be found at the links below