Would you prefer to buy the cheapest auto insurance rates in Bell Gardens, CA? Bell Gardens consumers have many options when looking for the lowest priced car insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to compare auto insurance rates so you're going to learn the best way to compare rates for your and obtain the best price possible from Bell Gardens insurance agents and online providers.

It's important to check auto insurance prices periodically since rates are adjusted regularly by insurance companies. Just because you had the best deal on auto insurance a few years ago a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to buy cheaper auto insurance.

This article's goal is to help educate you on the best ways to compare prices. If you have insurance now, you stand a good chance to be able to save money using the techniques covered below. Drivers just need to understand the proper methods to compare company rates over the internet.

The companies shown below provide free quotes in California. If you want to find the cheapest auto insurance in California, we suggest you visit several of them to get the lowest price.

Insurance Price Estimates for Popular Vehicles in Bell Gardens
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,474 $737 $123
Chevrolet Silverado LT Extended Cab 4WD $1,348 $674 $112
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,608 $804 $134
Ford Escape Limited 4WD $1,464 $732 $122
Ford Explorer Limited 2WD $1,520 $760 $127
Ford F-150 STX Super Cab 4WD $1,684 $842 $140
Ford Focus SE 4-Dr Sedan $1,702 $851 $142
Ford Fusion SEL AWD 4-Dr Sedan $1,390 $695 $116
Honda Accord EX 4-Dr Sedan $1,602 $801 $134
Honda CR-V EX-L 2WD $1,294 $647 $108
Honda Civic LX 4-Dr Sedan $1,512 $756 $126
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,198 $599 $100
Nissan Altima 2.5 S 2-Dr Coupe $1,532 $766 $128
Toyota Camry SE $1,080 $540 $90
Toyota Corolla LE $1,482 $741 $124
Toyota RAV4 4WD $1,216 $608 $101
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can affect premium rates significantly.

Male drivers versus female drivers

The illustration below shows the difference between insurance costs for male and female drivers in Bell Gardens. The data is based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration on a Ford Fusion SEL AWD.

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

You may qualify for discounts

Some insurers don't always advertise the entire discount list very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to you. If you don't get every credit available, you are paying more than you should be.Cheaper car insurance with discounts

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.

To see a list of companies that can offer you the previously mentioned discounts in Bell Gardens, follow this link.

When should I get advice from a local insurance agent?

Certain consumers still prefer to have an agent's advice and doing so can bring peace of mind Agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing rate quotes online is that you can obtain the best rates but still work with a licensed agent. Supporting neighborhood agents is still important in Bell Gardens.

Insurance agency in Bell GardensTo make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to local insurance agents in Bell Gardens who will give you bids for your insurance coverage. It makes it easy because there is no need to drive around since rate quotes are delivered directly to you. If for some reason you want to compare rates from a specific company, you just need to jump over to their website to submit a rate quote request.

If you're trying to find a reliable agent, it helps to know the two different types of agents and how they work. Agents in Bell Gardens can be categorized as either exclusive or independent (non-exclusive). Both types can insure your vehicles, but it's important to know the subtle differences because it can impact the type of agent you choose.

Independent Car Insurance Agents (or Brokers)

Independent agencies do not work for one specific company so they can write business through many companies enabling the ability to shop coverage around. If prices rise, your agent can switch companies and you won't have to switch agencies. When comparing rate quotes, we recommend you include rate quotes from multiple independent agents to get the most accurate price comparison. They often place coverage with small mutual carriers which can save you money.

Exclusive Agents

Agents that choose to be exclusive work for only one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on their products and sales techniques which can be an advantage. A lot of people use the same agent mainly due to the brand legacy and strong financial ratings.

Finding the right insurance agency shouldn't rely on just the bottom line cost. Any agent in Bell Gardens should be willing to answer these questions.

If you feel you receive good answers to these questions and an affordable coverage quote, chances are good that you have found a car insurance agent that can be trusted to provide car insurance coverage.

What impacts Bell Gardens auto insurance premiums?

Consumers need to have an understanding of some of the factors that help determine the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could help you find lower rates. Lots of factors are taken into consideration when quoting car insurance. Some are obvious like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your vehicle rating.

Listed below are some of the factors used by your company to calculate your prices.

Choosing the best vehicle insurance in California is an important decision

Despite the fact that car insurance is not cheap in Bell Gardens, insurance is required in California but it also protects you in many ways.

First, most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your car, it's most likely the lender will stipulate that you have full coverage to guarantee payment of the loan. If you let the policy lapse, the lender may insure your vehicle at a much higher premium rate and require you to reimburse them much more than you were paying before.

Third, insurance protects your vehicle and your assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If your vehicle gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays as much as $865 each year so it's very important to do a rate comparison each time the policy renews to save money.

Auto insurance claim statistics

Which vehicles have a tendency to have claims? The following tables show the best and worst vehicle makes and models for likelihood of having large claims for each type of coverage listed.

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Hyundai Accent
Tesla Model S Chrysler 200
Chevrolet Silverado 3500 Kia Forte
Chevrolet Corvette Nissan Versa
Ford F-350 SuperCrew Chevrolet Spark
Audi A4 Allroad Mitsubishi Lancer

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

Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Porsche Panamera GTS
GMC Sierra 2500 Bentley Continental GTC
Chevy Silverado 2500 BMW M6
Nissan Leaf Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Ford F-350 BMW M6

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

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Amount Highest Claim Amount
Subaru Outback Hyndai Accent
Volvo XC60 Dodge Charger
Fiat 500 Kia Rio
Audi A6 Kia Optima
Subaru Forester Chevrolet Cruze
Chevrolet Corvette Mitsubishi Lancer

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-250 SuperCab Audi RS7
Nissan Xterra BMW 6 Series
Smart ForTwo Bently Continental GT
Mini Cooper BMW M6
GMC Canyon Ferrari 458

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

A conclusion for your car insurance search

We covered a lot of tips how to lower your car insurance premium rates in Bell Gardens. It's most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a lesser-known regional company.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, denial of a claim and even policy non-renewal. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

Some insurance companies don't offer rate quotes online and many times these regional insurance providers work with independent agencies. Low-cost car insurance in Bell Gardens can be sourced on the web and from local agencies, and you should be comparing both in order to have the best price selection to choose from.

Much more information about car insurance in California is located below: