Are you burned out from being strong-armed to keep your car insured? You have the same problem as most other drivers in California.

Unbelievable but true, over 70% of consumers have bought car insurance from the same company for over three years, and approximately 40% of consumers have never shopped around. California insurance shoppers could pocket $470 a year by just comparing quotes, but they don't believe how much money they would save if they switched to a cheaper policy.

Drivers have multiple car insurance companies to buy insurance from, and although it's nice to have a selection, more options can take longer to find the best rates for your vehicles.

It's a good habit to get comparison quotes on a regular basis since insurance prices trend upward over time. If you had the lowest price on car insurance six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you're about to find out the fastest and easiest way to find better coverage on car insurance at a better price.

Discounts for lower Temple City auto insurance rates

Auto insurance is neither fun to buy or cheap, but there could be available discounts that you may not know about. Many discounts should be triggered when you get a quote, but a few must be asked for prior to getting the savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.Save money with discounts

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

Companies and their possible discounts can be found below.

It's a good idea to ask each insurance company which discounts you qualify for. Savings may not be available in your state. To see companies with the best discounts in Temple City, click this link.

Just keep in mind that obtaining a wide range of quotes increases your odds of finding the best price.

The providers in the list below offer quotes in Temple City, CA. To buy cheap car insurance in California, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Temple City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $1,388 $694 $116
Chevrolet Silverado LTZ Extended Cab 2WD $1,796 $898 $150
Dodge Ram Quad Cab Laramie 4WD $2,078 $1,039 $173
Ford Escape XLT 4WD $1,190 $595 $99
Ford F-150 FX2 Super Cab 2WD $1,310 $655 $109
Ford Focus S 4-Dr Sedan $1,158 $579 $97
Ford Fusion Sport 4-Dr Sedan $1,284 $642 $107
Honda Accord LX 4-Dr Sedan $1,124 $562 $94
Honda CR-V LX 4WD $1,482 $741 $124
Honda Civic Hybrid 4-Dr Sedan $1,436 $718 $120
Hyundai Elantra Blue 4-Dr Sedan $1,206 $603 $101
Hyundai Sonata SE 4-Dr Sedan $1,312 $656 $109
Jeep Grand Cherokee Laredo 2WD $1,168 $584 $97
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,516 $758 $126
Nissan Altima 2.5 4-Dr Sedan $1,758 $879 $147
Toyota Camry Hybrid $1,936 $968 $161
Toyota Corolla LE $1,648 $824 $137
Toyota RAV4 Limited 4WD $1,322 $661 $110
Volkswagen Jetta 2.0T Station Wagon $1,158 $579 $97
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower coverage prices greatly.

An analysis of deductible level

One frequently asked question is the level to set your comp and collision deductibles. The comparison tables below help summarize the rate differences of buying low and high policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

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

Nissan Altima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
Altima 2.5 S 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Altima Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 2.5 S 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Altima 3.5 SR 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 3.5 SR 2-Dr Coupe $386 $780 $500 $30 $150 $1,871 $156
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Nissan Altima insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Altima 2.5 S 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Altima Hybrid 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 2.5 S 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Altima 3.5 SR 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 3.5 SR 2-Dr Coupe $314 $630 $500 $30 $150 $1,624 $135
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in zip code location which can affect auto insurance rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $19 more each month or $228 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 13 months between claim filings, you would come out ahead by going with a higher deductible. The table below shows a better example of how this determination is made.

Average monthly premium for $250 deductibles: $142
Average monthly premium for $500 deductibles (subtract): - $123
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that raising deductibles means you will have to pay more when you have to file a claim. You need enough money in the bank in the event you need to pay more for the deductible.

Do you need full coverage?

The information below shows the difference between Nissan Altima insurance prices with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, married female driver, and no discounts are applied.

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

When to drop full coverage

There is no set guideline for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's say your Nissan Altima claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after paying your policy deductible. If it's costing you more than $800 a year for full coverage, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not remove full coverage.

Why smart consumers get cheaper prices in Temple City

Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, but some are more obscure such as your credit history or your financial responsibility. It's important that you understand the rating factors that are used to determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that can help you get lower rates.

The itemized list below are some of the items that factor into your prices.

Is your car built for speed? - The make and model of the car, truck or SUV you drive makes a substantial difference in your rates. Lower performance four cylinder passenger models normally have pretty low rates, but that's not the only thing that factors into the final price.

Rural areas have lower premiums - Choosing to live in areas with lower population is a good thing when insuring your vehicles. Lower population translates into fewer accidents in addition to lower liability claims People who live in big cities have more traffic problems and a longer drive to work. Higher commute times means a statistically higher chance of an accident.

Prevent theft and save - Driving a car with an alarm system can help lower your rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.

Discounts for married couples - Your spouse helps lower the price on auto insurance. It means you're more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Younger drivers pay more - Teen drivers in California have a tendency to be inattentive when behind the wheel and because of this, their auto insurance rates are much higher. Having to add a teenage driver onto a policy can break the bank. Older drivers have been proven to be more responsible, are lower risk to insure, and are safer drivers.

Drive fewer miles and save - The more you drive annually the higher your rates will be. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that are left in the garage cost less to insure than cars that get driven a lot. It's a smart idea to ensure your declarations sheet correctly shows the proper vehicle usage, because it can save money.

Do you really need the incidental coverages? - Policies have extra add-on coverages that can waste your money on your auto insurance policy. Things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be wasting your money. You may think they are a good idea at first, but your money might be better spent on other coverage so get rid of them and save.

How to know if you need help

When buying insurance from an agent or online, there really isn't a "best" method to buy coverage. Each situation is unique.Higher deductibles save money

These are some specific questions could help you determine whether your personal situation might need an agent's assistance.

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Do I need a local insurance agent?

A small number of people just prefer to visit with an insurance agent. One of the great benefits of getting free rate quotes online is that drivers can save money and get cheaper prices and still have an agent to talk to. Supporting local insurance agencies is definitely important in Temple City.

After completing this short form, your information is transmitted to local insurance agents that can give you free Temple City car insurance quotes and help you find cheaper coverage. There is no reason to even leave your home because prices are sent to you instantly. You'll get the best rates without the usual hassles of price shopping. If you wish to quote rates from one company in particular, feel free to search and find their rate quote page and give them your coverage information.

When narrowing the list to find a reliable agent, it's helpful to know the different types of agencies and how they are slightly different. Car insurance agents in Temple City are categorized either independent or exclusive depending on the company they work for.

Independent Agents

Agents of this type are normally appointed by many insurers and that gives them the ability to insure with lots of companies depending on which coverage is best. If your agent finds better pricing, your policy is moved internally and you don't have to do anything. When comparison shopping, you will definitely want to get insurance quotes from several independent agencies to get the best comparison.

Exclusive Agents

Exclusive insurance agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. These agents are trained well on their products and sales techniques which aids in selling service over price.

Picking an car insurance agent needs to be determined by more than just the quoted price. Before buying a policy in Temple City, get answers to these questions.

Auto insurance is not optional in California

Despite the potentially high cost of auto insurance, auto insurance is required in California but also provides important benefits.

First, most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage in order to be legal. 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 vehicle, most banks will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may buy a policy for your vehicle for a lot more money and force you to pay a much higher amount than you were paying before.

Third, auto insurance protects both your car and your personal assets. It will also provide coverage for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is wasting up to $810 a year so compare rate quotes at least once a year to help ensure money is not being wasted.

More quotes mean more car insurance savings

We just covered many ideas to find cheaper coverage online. The key concept to understand is the more quotes you get, the better chance you'll have of finding the cheapest Temple City car insurance quotes. Drivers may even discover the lowest rates are with a smaller regional carrier.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits only to discover later that it was a big mistake. Your objective should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

People who switch companies do it for many reasons like policy non-renewal, not issuing a premium refund, delays in paying claims and lack of trust in their agent. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.

Much more information about car insurance in California is located at these links: