If you're shopping for cheaper insurance on the web, are you intimidated by the wide range of auto insurance choices in Imperial Beach? Many other drivers are as well. There are so many choices to choose from that it can turn into a burden to find the best rates. Imperial Beach is an excellent city in which to live, but expensive auto insurance rates makes it impossible to afford enough coverage.

Unbelievable but true according to a study most auto insurance buyers have remained with the same auto insurance company for four years or more, and approximately 40% of consumers have never compared quotes from other companies. Many consumers in Imperial Beach can cut their rates by $470 a year just by getting comparison quotes, but most just don't grasp how much savings they would realize if they replace their high priced policy.

Smart consumers take time to do rate comparisons at least once a year because insurance prices go up and down regularly. Just because you found the best price on auto insurance a few years ago you will most likely find a better rate today. You can search a lot of auto insurance online, but in this article, you're going to get the easiest ways to lower your auto insurance rates in Imperial Beach.

Get cheap rates by understanding these factors

An important part of buying insurance is that you know some of the things that help calculate insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that could help you find cheaper rates.

Multiple policies with one company - The majority of insurance companies provide lower prices for people who carry more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you may still want to comparison shop to confirm you are receiving the best rates possible.

Cheap prices for being claim-free - Auto insurance companies in California provide better rates to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Your insurance policy is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Better credit means lower prices - Credit score is likely to be a major factor in calculating your premium rate. People with high credit ratings tend to be more responsible than drivers with poor credit. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your vehicle by repairing your credit.

Tickets cost more than a fine - Whether or not you get tickets has a big impact on rates. Even a single ticket could increase your next policy renewal to the point where it's not affordable. Attentive drivers receive lower rates as compared to careless drivers. Drivers who have license-revoking violations such as reckless driving or DUI may find that they have to to maintain a SR-22 with their state DMV in order to legally drive.

Performance makes a difference - The type of vehicle you own makes a significant difference in your premium level. Smaller low performance passenger models generally receive the lowest base rates, but that's not the only thing that factors into the final price.

Does insurance coverage cost more for men? - Over the last 50 years, statistics have shown that females take fewer risks when driving. That doesn't necessarily mean that men are worse drivers. Both genders tend to get into accidents at a similar rate, but men get into accidents with more damage. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are the most expensive to insure and therefore have the most expensive insurance rates.

Your car's features help determine prices - Selecting a car model that has a built-in theft deterrent system can help bring down rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft and help lower rates.

Eliminate unneeded add-on coverages - There are a lot of extra bells and whistles that may not really be needed on your insurance policy. Coverages like replacement cost coverage, better glass coverage, and Farm Bureau memberships are probably not needed. These may sound like a good investment at first, but your money might be better spent on other coverage so remove them from your policy.

How to compare free Imperial Beach auto insurance quotes

When quoting auto insurance, remember that having more price comparisons will enable you to find a better price. Not every company provides online quotes, so you should also compare rates from those companies as well.

The providers in the list below offer free quotes in Imperial Beach, CA. If your goal is to find cheap auto insurance in California, it's highly recommended you compare several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Imperial Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $1,404 $702 $117
Dodge Grand Caravan Hero $1,216 $608 $101
Dodge Ram Quad Cab SLT 4WD $1,470 $735 $123
Ford Escape Limited 2WD $1,164 $582 $97
Ford F-150 SVT Raptor Super Cab 4WD $1,188 $594 $99
Ford Focus SEL 4-Dr Sedan $1,356 $678 $113
Ford Fusion SE 4-Dr Sedan $1,626 $813 $136
Honda Accord LX-P 4-Dr Sedan $1,178 $589 $98
Honda CR-V EX-L 4WD $1,030 $515 $86
Honda Civic EX 4-Dr Sedan $1,374 $687 $115
Nissan Altima Hybrid 4-Dr Sedan $2,072 $1,036 $173
Toyota Camry Hybrid $1,796 $898 $150
Toyota Corolla S $1,552 $776 $129
Toyota Tacoma 4WD $1,436 $718 $120
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in specific garaging location which can influence prices noticeably.

An analysis of deductible level

The information below highlights how deductible selection and can change Honda Civic premium costs for different ages of insureds. The premiums are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

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

Full coverage rates compared to liability only

The example below visualizes the comparison of Honda Civic auto insurance rates when comparing full coverage to liability only. The premium estimates are based on no accidents or driving violations, $500 deductibles, married female driver, and no other discounts are factored in.

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

Are you wasting money on full coverage?

There is no clear-cut rule of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Honda Civic replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the deductible is paid. If it's costing in excess of $500 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Imperial Beach insurance premiums for males versus females

The example below illustrates the comparison of premium costs for male and female drivers in Imperial Beach. The data is based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in on a Nissan Sentra 2.0 SR.

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

Insurance is not optional in California

Even though it can be expensive, maintaining insurance may be mandatory for several reasons.

First, the majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability protection in order to drive the car legally. 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 your car has a loan, it's most likely the lender will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is cancelled, the bank may insure your vehicle at a more expensive rate and make you pay the higher premium.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also reimburse you for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of buying insurance definitely exceed the cost, especially for larger claims. On average, a vehicle owner in Imperial Beach overpays as much as $865 each year so it's very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.

Discounts can help lower rates on car insurance

Some insurers don't always advertise their entire list of discounts very well, so the list below contains a few of the more well known as well as some of the hidden car insurance savings.Save money with discounts

It's important to understand that some credits don't apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it's just not the way it works.

Large car insurance companies and a summarized list of policyholder discounts can be read below.

If you want the cheapest Imperial Beach auto insurance quotes, ask all the companies which discounts you may be entitled to. Some discounts listed above may not be offered in every state. For a list of insurers who offer car insurance discounts in California, click here.

Do I need an insurance agent?

Some consumers still like to have an agent's advice and that is a smart decision A nice benefit of getting free rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent.

Insurance agents in Imperial BeachBy using this form (opens in new window), the quote information is sent to participating agents in Imperial Beach who will return price quotes for your insurance coverage. You won't even need to drive around due to the fact that quote results will go directly to you. You'll get the best rates AND an agent nearby. If you want to get a price quote from a particular provider, you can always search and find their rate quote page and complete a quote there.

Picking the best provider is decision based upon more than just a low price. These questions are important to ask:

When finding a reliable agent, it's helpful to know the different types of agents and how they differ in how they quote coverages. Insurance agencies in Imperial Beach can be classified as either independent (non-exclusive) or exclusive.

Exclusive Agencies

Agents that elect to be exclusive write business for a single company such as Farmers Insurance and State Farm. These agents are not able to place coverage with different providers so you might not find the best rates. These agents are usually well trained on their company's products and that allows them to sell at a higher price point. Many people purchase coverage from exclusives primarily because of high brand loyalty rather than having low rates.

Independent Agencies or Brokers

Agents of this type often have many company appointments and that allows them to write policies through many companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house and you can keep the same agent.

If you are trying to find cheaper rates, we recommend you check rates from multiple independent agents for maximum quote selection. They often place coverage with smaller regional carriers which may provide better rates.

Auto insurance claims by make and model

Does your vehicle tend to have claims? The following tables list the highest and lowest vehicles for the probability of filing claims for each type of coverage.

Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Bently Continental GT
Nissan Xterra Nissan GT-R
Ford Edge Bently Continental GTC
Chevrolet Colorado Maserati Ghibli
Smart ForTwo BMW M6
Ford F-250 SuperCab Maserati Granturismo

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

Lowest and Highest Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental GT
Volvo V60 Porsche Panamera GTS
GMC Sierra 2500 Maserati Quattroporte
Chevy Silverado 2500 Maserati Granturismo
Infiniti QX50 BMW M6
Ford F-350 Audi S7

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

Vehicles with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Kia Forte
Ford F-250 SuperCrew Mitsubishi Lancer
Ford F-350 SuperCrew Dodge Charger
Ford Expedition Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Audi A4 Allroad Chevrolet Sonic

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

Lowest and Highest Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Kia Rio
Audi A6 Chevrolet Cruze
Acura MDX Chevrolet Sonic
Volvo XC60 Chrysler 200

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

Car insurance savings summarized

Drivers leave their current company for a variety of reasons including not issuing a premium refund, high prices, an unsatisfactory settlement offer or even high rates after DUI convictions. It doesn't matter what your reason, finding a new company can be easy and end up saving you some money.

We covered a lot of techniques to get a better price on car insurance in Imperial Beach. It's most important to understand that the more you quote Imperial Beach auto insurance, the better your chances of lowering your prices. You may even discover the most savings is with an unexpected company.

When searching for low cost Imperial Beach auto insurance quotes, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

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