Has it been a year or more since you last compared quotes for the cheapest insurance rates in Culver City, CA? There isn't a single person who fancies paying their premiums for insurance, particularly when their premiums are through the roof.

Shockingly, nearly 70% of customers kept buying from the same company for a minimum of four years, and 38% of drivers have never quoted rates to find cheap coverage. Consumers in Culver City could save $470 a year, but they don't invest the time required to compare rates online. Companies like State Farm, Progressive and GEICO increase brand awareness with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Smart consumers take time to get comparison quotes before your policy renews because rates fluctuate regularly. Even if you think you had the lowest premium rates on insurance a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

Car insurance providers offering affordable prices in California

The following companies are ready to provide price quotes in Culver City, CA. If you want the cheapest auto insurance in California, it's highly recommended you visit several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Culver City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,790 $895 $149
Chevrolet Silverado LTZ Extended Cab 4WD $1,698 $849 $142
Dodge Ram Crew Cab Sport 4WD $1,618 $809 $135
Ford Escape XLT 2WD $886 $443 $74
Ford Explorer Eddie Bauer 4WD $1,194 $597 $100
Ford F-150 Lariat King Ranch 4WD $1,348 $674 $112
Ford Focus SE 2-Dr Coupe $1,720 $860 $143
Honda Accord EX 4-Dr Sedan $1,028 $514 $86
Honda CR-V EX-L 2WD $1,316 $658 $110
Honda Civic LX 2-Dr Coupe $2,142 $1,071 $179
Jeep Grand Cherokee Limited 2WD $1,260 $630 $105
Nissan Altima 2.5 4-Dr Sedan $1,566 $783 $131
Nissan Rogue S 2WD $1,668 $834 $139
Toyota Camry XLE $1,840 $920 $153
Toyota Corolla S $1,672 $836 $139
Toyota Prius $1,302 $651 $109
Volkswagen Jetta 2.0T 4-Dr Sedan $1,324 $662 $110
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in zip code location which can affect price quotes greatly.

Full coverage rates vs. liability-only

The illustration below examines Chevrolet Silverado insurance prices with full phyical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no policy discounts are applied.

Chevrolet Silverado 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 set rule to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Chevrolet Silverado settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

When to drop full coverage

There is no clear-cut rule for dropping full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Chevrolet Cruze book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Insurance discounts are available for cheaper rates

Car insurance companies don't necessarily list every disount available very well, so the list below details a few of the more common as well as the least known discounts that you may qualify for. If you do not check that you are getting every discount possible, you are throwing money away.Insurance discounts

As a sidenote, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn't be very happy.

To see a list of insurance companies that provide some of the discounts listed above in Culver City, click here.

Auto insurance quotes from local neighborhood Culver City car insurance agents

A lot of people still like to have an agent's advice and doing so can bring peace of mind Professional agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of price shopping on the web is the fact that drivers can get the best rates but still work with a licensed agent. And providing support for local agents is especially important in Culver City.

Find insurance agent in Culver CityBy using this quick form, your insurance coverage information is transmitted to participating agents in Culver City who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to search for an agent because prices are sent immediately to you. If you wish to get a comparison quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

Culver City auto insurance agents are either independent or exclusive

If you're trying to find a local Culver City insurance agency, you should know the different types of agents from which to choose. Agents can either be exclusive or independent (non-exclusive). Both insure your vehicles, but it's worth mentioning why they differ because it may have an impact on your agent selection.

Independent Auto Insurance Agents (or Brokers)

These type of agents are not employed by one company and that gives them the ability to insure with lots of companies and get you the best rates possible. If your premiums go up, your agent can just switch to a different company and you don't have to do anything. If you are comparing auto insurance prices, we highly recommend that you include rate quotes from several independent insurance agents so that you can do a thorough price comparison.

Exclusive Agents

Agents in the exclusive channel write business for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on the products they sell which aids in selling service over price.

Finding the right insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:

Ads can be misleading

California consumers can't escape the ads for car insurance savings by State Farm, Allstate and GEICO. They all try to convey promises that you can save if you switch your car insurance coverage to their company.

Is it even possible that every company can offer drivers better rates? This is how they do it.

All companies have specific characteristics for the type of insured that earns them the most money. A good example of a desirable risk could be between 25 and 40, owns their home, and has a short commute. Any person who matches that profile will get low rates and most likely will save quite a bit of money when switching.

Insureds who do not match this ideal profile will see more expensive rates which translates to business not being written. If you pay attention, the ads say "drivers that switch" not "everybody who quotes" can save as much as they claim. That's why insurance companies can advertise the savings.

Different companies use different criteria so it's extremely important to do a quote comparison often. You cannot predict which company will give you lower premium rates than your current company.

Vehicle claim statistics

Which makes and models have the fewest claims? The claim statistics below show the highest and lowest makes and models for the probability of having to file claims.

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Mitsubishi Mirage
Tesla Model S Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte
Ford F-250 SuperCrew Chrysler 200
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Corvette Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Fiat 500 Dodge Charger
Audi A6 Hyndai Accent
Chevrolet Corvette Kia Optima
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Outback Chevrolet Cruze
Acura MDX Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Bentley Continental GTC
Chevy Silverado 2500 Mercedes-Benz S Class
Volvo V60 Maserati Granturismo
Infiniti QX50 Bentley Continental GT
Chevy Spark BMW M6
Ford F-350 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mini Cooper Audi RS7
Jeep Wrangler BMW M6
Nissan Xterra Nissan GT-R
Ford Edge Ferrari 458
Ford F-250 SuperCab Bently Continental GT
GMC Canyon Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Final considerations

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

In this article, we covered many tips how you can lower your insurance rates in Culver City. It's most important to understand that the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best rates are with a company that doesn't do a lot of advertising. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

More detailed insurance information is located at these sites: