Are you baffled by the crazy number of insurance providers that you can choose from? Lot's of other drivers are too. You have so many options that it can be a ton of work to find the lowest price. Murrieta is a great city to live in, but the high premiums for insurance can make it hard for many residents to afford enough coverage.

A study showed that nearly 70% of customers have been with the same company for a minimum of four years, and 38% of drivers have never shopped around. Many drivers in the U.S. could cut their rates by up to $859 a year, but they don't want to take the time to shop around.

Smart consumers take time to do price comparisons on a regular basis because insurance prices change regularly. Just because you found the best deal on insurance two years ago a different company probably has better premium rates today. Ignore everything you know about insurance because we're going to demonstrate the fastest way to find great coverage at a great price.

If you are paying for car insurance now, you will definitely be able to find the best rates using the techniques covered below. This article's goal is to tell you the most effective ways to compare rates. Although California vehicle owners must know the way insurance companies calculate your auto insurance rates because it varies considerably.

When quoting car insurance, remember that comparing a wide range of rates will improve the odds of getting lower pricing.

The providers in the list below offer free rate quotes in California. If you want to find the cheapest car insurance in California, we recommend you visit several of them in order to find the cheapest rates.

Insurance Rate Estimates for Popular Vehicles in Murrieta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,166 $583 $97
Dodge Grand Caravan Hero $1,372 $686 $114
Dodge Ram Crew Cab SLT 2WD $1,522 $761 $127
Ford Edge Limited AWD $1,230 $615 $103
Ford Escape XLT 2WD $1,102 $551 $92
Ford F-150 Lariat Crew Cab 4WD $1,070 $535 $89
Ford Focus SES 2-Dr Coupe $1,934 $967 $161
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V EX-L 4WD $1,200 $600 $100
Honda Civic Hybrid 4-Dr Sedan $1,302 $651 $109
Nissan Altima 3.5 SR 4-Dr Sedan $1,260 $630 $105
Toyota Camry XLE $1,626 $813 $136
Toyota Corolla LE $1,424 $712 $119
Volkswagen Jetta 2.0T Station Wagon $1,338 $669 $112
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can influence price quotes considerably.

Full coverage rates compared to liability-only

The example below illustrates the difference between Hyundai Sonata auto insurance costs with liability coverage only compared to full coverage. The price estimates are based on no claims or driving citations, $250 deductibles, married female driver, and no other discounts are factored in.

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

When to drop comprehensive and collision coverage

There is no definitive guideline to exclude comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's pretend your Hyundai Sonata replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the deductible is paid. If you are paying more than $800 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some situations where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Physical damage deductibles

The hardest decision when buying coverage is which deductibles should you choose. The rates shown below can help you visualize the rate difference when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Civic insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Civic VP 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic DX 2-Dr Coupe $332 $810 $552 $32 $166 $1,917 $160
Civic EX 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX-S 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Civic LX 2-Dr Coupe $332 $932 $552 $32 $166 $2,039 $170
Civic EX-L 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic SI 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic EX 2-Dr Coupe $380 $932 $552 $32 $166 $2,087 $174
Civic GX 4-Dr Sedan $380 $932 $442 $26 $132 $1,937 $161
Civic EX-L 2-Dr Coupe $380 $932 $552 $32 $166 $2,087 $174
Civic Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Civic SI 2-Dr Coupe $430 $1054 $552 $32 $166 $2,259 $188
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Honda Civic insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Civic VP 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic DX 2-Dr Coupe $184 $426 $552 $32 $166 $1,360 $113
Civic EX 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX-S 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Civic LX 2-Dr Coupe $184 $490 $552 $32 $166 $1,424 $119
Civic EX-L 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic SI 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic EX 2-Dr Coupe $210 $490 $552 $32 $166 $1,450 $121
Civic GX 4-Dr Sedan $210 $490 $442 $26 $132 $1,300 $108
Civic EX-L 2-Dr Coupe $210 $490 $552 $32 $166 $1,450 $121
Civic Hybrid 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Civic SI 2-Dr Coupe $238 $556 $552 $32 $166 $1,544 $129
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in zip code location which can increase or decrease auto insurance rates substantially.

Based on the figures above, using a $100 deductible will cost you about $50 more each month or $600 every year than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 18 months between claims, you would more than likely save some money by going with a higher deductible.

Tickets and at-fault accidents raise rates

The information below shows how speeding tickets and accidents can raise Nissan Sentra insurance prices for different insured age categories. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

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

Cheaper Murrieta auto insurance rates with discounts

Companies that sell car insurance don't always publicize every possible discount very well, so the list below details some of the best known and the harder-to-find credits available to bring down your rates.Save money with discounts

As a sidenote, some credits don't apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. Any amount of discount will lower your policy premiums.

Companies and some of the premium reductions they offer are included below.

When getting a coverage quote, ask each company or agent how you can save money. Some discounts listed above might not be offered in Murrieta.

Seven ways to get car insurance at a discount in Murrieta

Lots of things are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but other factors are not as apparent such as your credit history or how financially stable you are. It's important that you understand some of the things that are used to determine your premiums. When you understand what determines premiums, this enables informed choices that could result in lower rates.

The list below includes some of the factors car insurance companies consider when setting premiums.

Independent or exclusive car insurance agents

Certain consumers just prefer to buy from a local agent and that is not a bad decision A nice benefit of comparing rate quotes online is the fact that drivers can get lower car insurance rates and still have an agent to talk to. And supporting small agencies is definitely important in Murrieta.

Insurance agency in MurrietaTo help locate an agent, after submitting this form (opens in new window), the quote information is instantly submitted to local insurance agents who will give you bids for your auto insurance coverage. You won't need to leave your computer because prices are sent to you instantly. You'll get the best rates AND an agent nearby. If for some reason you want to get a rate quote for a specific company, feel free to go to their quote page and complete a quote there.

When researching a reputable insurance agent or broker, it's important to understand the different agency structures and how they function. Murrieta agents can either be independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents

Agents that elect to be independent are appointed with more than one company and that allows them to write policies amongst many companies and find you cheaper rates. If your premiums go up, an independent agent can move your coverage which requires no work on your part.

When shopping rates, you need to get some free quotes from a couple of independent agencies for maximum quote selection. They often place coverage with lesser-known insurance companies which may provide better rates.

Exclusive Insurance Agencies

Exclusive agencies can only write with one company like Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies 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. Some insured continue to buy insurance from these agents primarily because of the brand instead of buying on price only.

Picking the best auto insurance agent shouldn't rely on just the quoted price. Here are some questions you should ask.

Once you have acceptable answers to your questions as well as offering an affordable quote, you may have just found an insurance agent that will service your policy.

Auto insurance claim information

Which makes and models have the most claims? The statistics below list the highest and lowest models for the overall chance of having large claims for each type of coverage listed.

Lowest and Highest Medical Payment Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Ford F-350 SuperCrew Nissan Sentra
Ford F-250 SuperCrew Nissan Versa
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Silverado 2500 Kia Forte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo Mercedes-Benz S Class
Chevy Spark Maserati Quattroporte
GMC Sierra 2500 BMW M6
Ford F-350 Audi S7
Infiniti QX50 Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Mitsubishi Mirage
Chevrolet Corvette Chevrolet Cruze
Fiat 500 Hyndai Accent
Mercedes-Benz SL Class Chrysler 200
Acura MDX Dodge Charger
Volvo XC60 Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon Bentley Continental Flying Spur
Mini Cooper BMW M6
Smart ForTwo Audi RS7
Chevrolet Colorado Nissan GT-R
Nissan Xterra Ferrari 458
Ford F-150 SuperCrew BMW 6 Series

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't listen to company ads

Popular car insurance providers such as Progressive, Allstate and GEICO continually stream ads on television and other media. They all make the same claim that people will save if you just switch your policy. How does each company charge less that you're paying now? Just pay attention to how they say it.

All the different companies quote their cheapest rates for the driver that makes them money. For instance, this type of risk profile might have to be over the age of 45, has never had a claim, and has a short commute. Any customer who fits that profile receives the best rates in Murrieta and will probably save money with a new company.

Consumers who don't qualify for these standards will be charged a higher rate with the end result being business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. That's why companies can advertise the way they do.

This illustrates why you absolutely need to do a rate comparison at every renewal. It is impossible to predict which company will be your best fit.

Get the best coverage at the lowest price

Throughout this article, we presented some good ideas how you can shop for auto insurance online. The key thing to remember is the more you quote Murrieta auto insurance, the higher your chance of finding cheap Murrieta auto insurance quotes. You may even find the biggest savings come from a lesser-known regional company.

People switch companies for any number of reasons including delays in paying claims, not issuing a premium refund, high prices and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits to discover at claim time they didn't purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate, but do not skimp to save money.

Additional auto insurance information can be found below: