There isn't a single person who enjoys paying for auto insurance, especially knowing the prices are way too high.

Statistics show that over 70% of California drivers renewed their policy with the same company for a minimum of four years, and almost half have never taken the time to shop around. The average driver in the United States could pocket $860 a year by just shopping around, but they don't want to spend time to compare rates. Big companies like GEICO and Progressive constantly bombard you with ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Auto insurance companies in California

The companies in the list below are our best choices to provide price quotes in Martinez, CA. To get cheap car insurance in California, we suggest you visit as many as you can in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Martinez
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,334 $667 $111
Chevrolet Silverado LS Extended Cab 4WD $1,026 $513 $86
Dodge Ram Crew Cab Laramie 2WD $1,618 $809 $135
Ford Escape XLT 2WD $886 $443 $74
Ford F-150 FX2 Super Cab 2WD $1,318 $659 $110
Ford Focus S 4-Dr Sedan $1,292 $646 $108
Ford Fusion Sport AWD 4-Dr Sedan $1,574 $787 $131
Honda Accord LX 4-Dr Sedan $1,042 $521 $87
Honda CR-V EX 4WD $1,294 $647 $108
Honda Civic LX-S 4-Dr Sedan $1,278 $639 $107
Hyundai Sonata GLS 4-Dr Sedan $1,222 $611 $102
Mazda 3 I Sport 4-Dr Sedan $1,388 $694 $116
Nissan Altima 3.5 SR 4-Dr Sedan $1,598 $799 $133
Toyota Camry LE $1,396 $698 $116
Toyota Corolla S $1,232 $616 $103
Get Your Own Custom Quote Go

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location which can affect auto insurance rates greatly.

Raise deductibles and save

The chart below illustrates how your choice of deductibles and can impact Ford Escape yearly insurance costs for each age group. The information is based on a married female driver, full coverage, and no discounts are applied.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

How careless driving impacts auto insurance rates

The example below shows how speeding tickets and at-fault collisions increase Chevrolet Malibu annual premium costs for each age group. The prices are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Analysis of deductible levels

One common question asked by Martinez drivers is where should you set your physical damage deductibles. The following insurance rates may aid in understanding the differences in price when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $342 $678 $442 $26 $132 $1,645 $137
Corolla S $342 $678 $442 $26 $132 $1,645 $137
Corolla XLE $342 $678 $442 $26 $132 $1,645 $137
Corolla XRS $386 $678 $442 $26 $132 $1,689 $141
Get a Quote for Your Vehicle Go
Toyota Corolla insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $278 $546 $442 $26 $132 $1,424 $119
Corolla S $278 $546 $442 $26 $132 $1,424 $119
Corolla XLE $278 $546 $442 $26 $132 $1,424 $119
Corolla XRS $314 $546 $442 $26 $132 $1,460 $122
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates substantially.

Based on the above data, using a $250 deductible will cost you approximately $18 more each month or $216 every year than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 14 months between claims, you would most likely save money by going with a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that raising deductibles to get cheaper rates results in more money out-of-pocket if you have a claim. You need to make sure you have some available funds in the event you need to pay the deductible to have repairs made.

Get discounts to get affordable Martinez car insurance quotes

Some companies don't always advertise every disount available very clearly, so we took the time to find a few of the more common and also the lesser-known car insurance savings.Save money with discounts

Remember that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, insurance companies wouldn't stay in business.

Companies and their possible discounts are outlined below.

If you want cheaper Martinez car insurance quotes, ask each company which discounts they offer. Some credits may not apply to policies in Martinez. For a list of insurance companies that offer many of these discounts in Martinez, follow this link.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane, rock chips in glass, hail damage and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like prosthetic devices, surgery, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle's damage.

Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

Collision coverage will pay to fix damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 which means a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.

Liability can pay for claims like structural damage, legal defense fees and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.

Claim statistics by make and model

Which vehicles rank well for chances of having claims? The statistics tables below list the highest and lowest vehicle models for likelihood of filing claims for each type of coverage.

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Nissan Leaf Porsche Panamera GTS
Ford F-350 Mercedes-Benz S Class
Infiniti QX50 Bentley Continental GTC
Chevy Spark BMW M6
Volvo V60 Audi S7
Smart ForTwo BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Hyundai Accent
Chevrolet Silverado 2500 Mitsubishi Lancer
Chevrolet Silverado 3500 Mitsubishi Mirage
Ford F-250 SuperCrew Chevrolet Sonic
Ford F-350 SuperCrew Kia Forte
Audi A4 Allroad Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford Edge Nissan GT-R
GMC Canyon BMW M6
Ford F-250 SuperCab Ferrari 458
Smart ForTwo Maserati Granturismo
Nissan Xterra Audi RS7
Mini Cooper Bentley Continental Flying Spur

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Subaru Outback Kia Optima
Fiat 500 Chevrolet Cruze
Acura MDX Chevrolet Impala
Audi A6 Mitsubishi Lancer
Volvo XC60 Chrysler 200
Subaru Forester Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Lower rates by being persistent

Throughout this article, we presented a lot of techniques to save on car insurance in Martinez. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the lowest prices come from the least-expected company. Smaller companies often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There have been many cases where an insured dropped liability coverage limits only to regret at claim time they didn't have enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

For more information, feel free to visit the following helpful articles: