Would you like to save money by finding more affordable insurance rates in Belmont, CA? No normal person loves paying for insurance, especially when they know they are paying too much.

A recent study showed that the vast majority of consumers have purchased from the same company for a minimum of four years, and just under half have never shopped around. Consumers in California could save an average of 35% each year, but they just don't understand how easy it is to go online and compare rates. Online insurance companies like Allstate and Progressive all claim big savings with catchy ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

It's smart to get comparison quotes occasionally since insurance rates are adjusted regularly by insurance companies. If you had the best rate on insurance a couple years back you may be paying too much now. You can search a lot of insurance out there, but in a few minutes you can learn some proven techniques to find cheap insurance in Belmont.

Getting a cheaper price on insurance doesn't have to be difficult. You just need to take a few minutes comparing rate quotes online from several insurance companies.

Doing price comparisons online is so simple that it replaces the need to drive to all the different Belmont insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless your situation requires the professional assistance only provided by licensed Belmont agents. It is possible to find lower rates online and get advice from an agent in your area.

The companies shown below provide price quotes in Belmont, CA. If you want cheap auto insurance in California, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Belmont
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,496 $748 $125
Dodge Ram Quad Cab Laramie 2WD $2,060 $1,030 $172
Ford Escape Limited 2WD $1,158 $579 $97
Ford Explorer Eddie Bauer 4WD $1,416 $708 $118
Ford F-150 XL Super Cab 4WD $972 $486 $81
Ford Focus SE 4-Dr Sedan $1,136 $568 $95
Honda Accord LX-P 4-Dr Sedan $1,280 $640 $107
Honda CR-V EX-L 2WD $1,268 $634 $106
Honda Civic GX 4-Dr Sedan $1,450 $725 $121
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,652 $826 $138
Kia Optima LX $1,422 $711 $119
Nissan Altima 2.5 S 2-Dr Coupe $1,176 $588 $98
Nissan Rogue S 2WD $1,250 $625 $104
Toyota Camry SE $1,232 $616 $103
Toyota Corolla XLE $1,664 $832 $139
Toyota Prius $1,254 $627 $105
Toyota RAV4 Limited 2WD $1,506 $753 $126
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in Belmont location which can raise or lower premium rates greatly.

Responsible drivers pay cheaper Belmont car insurance rates

The information below shows how speeding tickets and at-fault accidents can impact Honda Pilot auto insurance rates for different ages of insureds. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

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

Cost of full coverage in Belmont

The chart below examines GMC Acadia car insurance costs with and without full coverage. Data assumes no violations or claims, $250 deductibles, married male driver, and no additional discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for eliminating full coverage

There is no specific rule for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's say your GMC Acadia replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for full coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Lower rates by qualifying for these nine discounts

Some insurance providers don't necessarily list every policy discount in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious credits that may apply to you.Insurance discounts

One last thing about discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, that's just not realistic.

Larger insurance companies and some of the discounts include:

Check with each company or agent which credits you are entitled to. Some credits may not apply in your state. To see a list of companies offering insurance discounts in California, click here to view.

Three good reasons to insure your vehicle

Despite the potentially high cost of car insurance, insurance is required for several reasons.

The benefits of having car insurance greatly outweigh the cost, especially if you ever need it. But the average American driver overpays as much as $810 a year so compare quotes from several companies at least once a year to save money.

What auto insurance coverages do you need?

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, falling objects, fire damage and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as rehabilitation expenses, pain medications and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Coverage for collisions

This coverage covers damage to your vehicle caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people's vehicles, medical expenses, loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.