How long has it been since you sat down and looked for cheaper insurance rates in Atwater, CA? Atwater drivers have lots of choices when trying to find low-cost car insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to make rate comparisons. There are more efficient ways to find insurance online and you need to know the best way to compare rates for a new or used and locate the lowest price from both online companies and Atwater agents.

It's hard to fathom, but most insurance policyholders have remained with the same insurance company for at least four years, and roughly 40% of drivers have never even shopped around for cheaper coverage. California insurance shoppers could save roughly 35% each year, but most tend to underestimate the large savings they would see if they switched to a more affordable policy.

It's important to get comparison quotes once or twice a year since insurance prices are rarely the same from one policy term to another. If you had the best rates on insurance two years ago there may be better deals available now. Ignore everything you know about insurance because you're going to learn the tricks you need to know to reduce your cost while increasing coverage.

Locating the most cost-effective auto insurance policy in Atwater can be made easier if you know where to look. If you currently have auto insurance, you stand a good chance to be able to lower your rates using the techniques presented in this article. Shoppers just need to use the least time-consuming way to shop from many companies at once.

Getting a cheaper price on insurance isn't really that difficult. All that's required is to spend a little time to get quotes from some recommended companies.

The providers in the list below have been selected to offer price comparisons in California. If you want to find the best cheap car insurance in California, we recommend you visit several of them in order to find the most competitive rates.

Insurance Price Estimates for Popular Vehicles in Atwater
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,136 $568 $95
Chevrolet Silverado LTZ Crew Cab 2WD $1,496 $748 $125
Dodge Grand Caravan SE $1,220 $610 $102
Dodge Ram Quad Cab ST 2WD $1,320 $660 $110
Ford Escape Limited 2WD $1,316 $658 $110
Ford F-150 STX Regular Cab 2WD $1,370 $685 $114
Ford Focus S 4-Dr Sedan $1,342 $671 $112
Honda Accord EX 2-Dr Coupe $1,366 $683 $114
Honda CR-V LX 2WD $1,272 $636 $106
Honda Civic LX 4-Dr Sedan $1,608 $804 $134
Jeep Grand Cherokee Laredo 4WD $1,722 $861 $144
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,416 $708 $118
Nissan Altima 3.5 SR 4-Dr Sedan $1,460 $730 $122
Toyota Camry Hybrid $1,762 $881 $147
Toyota Corolla S $1,790 $895 $149
Toyota Tacoma 2WD $1,848 $924 $154
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in your specific Atwater location which can lower or raise prices significantly.

Physical damage deductibles

A question often asked by Atwater drivers is which deductible level should you buy. The tables below may help to conceptualize the rate difference when you select higher and lower deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
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Hyundai Sonata insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Atwater which can influence coverage prices significantly.

Based on the data above, we can derive that using a $250 deductible costs roughly $18 more each month or $216 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 14 months between claim filings, you would probably be better off by going with a higher deductible.

Irresponsible driving raises your rates

The information below illustrates how speeding tickets and at-fault accidents impact Ford Fusion yearly insurance costs for different ages of insureds. The data is based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

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

Liability-only rates compared to full coverage

The example below illustrates the comparison of Dodge Ram auto insurance rates with full coverage compared to only the California minimum liability coverage. The premiums are based on no claims or driving citations, $100 deductibles, married female driver, and no policy discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no clear-cut rule to stop paying for full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Dodge Ram settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your policy deductible. If it's costing in excess of $200 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Auto insurance does more than just protect your car

Even though it's not necessarily cheap to insure a vehicle in Atwater, insurance is most likely required but also gives you several important benefits.

The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $830 a year so shop around once a year at a minimum to ensure rates are competitive.

Don't neglect these price cutting discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that could drop your premiums quite a bit. Some trigger automatically at the time of purchase, but a few must be asked for prior to getting the savings.Save money with discounts

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

Some of the larger companies that may include these benefits include:

It's a good idea to ask each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. To choose companies with the best discounts in Atwater, follow this link.

Do I need special coverages?

When it comes to the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your situation is unique.Higher deductibles save money

For example, these questions could help you determine if you could use an agent's help.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and you can get the answers you need.

Claim statistics by make and model

What vehicles have the fewest claims? The following tables show the highest and lowest models for overall likelihood of having claims for each type of coverage.

Car Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Subaru Forester Hyndai Accent
Volvo XC60 Chrysler 200
Chevrolet Corvette Dodge Charger
Fiat 500 Mitsubishi Lancer
Audi A6 Kia Rio
Mercedes-Benz SL Class Chevrolet Cruze

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

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Sonic
Ford F-250 SuperCrew Chrysler 200
Ford Expedition Nissan Versa
Chevrolet Silverado 2500 Dodge Charger
Ford F-350 SuperCrew Chevrolet Spark
Tesla Model S Mitsubishi Lancer

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

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Volvo V60 Porsche Panamera GTS
Nissan Leaf Bentley Continental GTC
Nissan Xterra Audi S7
Chevy Silverado 2500 Mercedes-Benz S Class
Infiniti QX50 Maserati Granturismo

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

Vehicle Make and Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Claims Highest Claims
GMC Canyon Ferrari 458
Ford Edge BMW M6
Ford F-250 SuperCab Maserati Ghibli
Nissan Xterra Bently Continental GTC
Mini Cooper Audi RS7
Jeep Wrangler Bently Continental GT

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

Affordable insurance premiums are possible

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced uninsured motorist or liability limits and learned later they didn't have enough coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Insureds change insurance companies for many reasons like delays in paying claims, policy cancellation, unfair underwriting practices and poor customer service. No matter why you want to switch, finding a new company can be less work than you think.

More affordable insurance in Atwater can be sourced on the web and with local Atwater insurance agents, and you should compare price quotes from both to have the best selection. A few companies may not have online quoting and most of the time these smaller companies provide coverage only through independent agencies.

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