How long have you put off shopping around for more competitive auto insurance rates in American Canyon, CA? Price shopping your auto insurance might be very difficult for people who have little experience online rate comparisons. With so many options of insurers available, it can be a real difficult job to find better prices on auto insurance.
Astonishing but true, over 70% of consumers kept their policy with the same company for over three years, and 38% of drivers have never shopped around. With the average premium in California being $1,387, drivers could save almost 35% a year, but they don't know the big savings they would realize if they switched to a more affordable policy.
You should make it a habit to compare rates quite often because auto insurance prices tend to go up over time. Just because you found the best price on auto insurance a year ago there may be better deals available now. Ignore everything you know about auto insurance because you're about to find out the quickest way to find great coverage at a great price.
Finding the cheapest car insurance coverage in American Canyon is easy if you know what you're doing. In essence, each driver who needs lower cost car insurance will most likely find a lower price. But California car owners benefit from understanding the way companies compete online because it varies considerably.
Companies offer many types of discounts on insurance
Auto insurance companies do not advertise all their discounts in a way that's easy to find, so the next list breaks down a few of the more common and the harder-to-find discounts you could be receiving when you buy American Canyon auto insurance online.
- Multiple Policy Discount - If you can combine your auto and homeowners policy and insure them both with the same insurance company you could save at least 10 to 15 percent or more.
- Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Pay Upfront and Save - By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
- Discount for Low Mileage - Driving less may allow you to get substantially lower insurance rates.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like it's possible to get free car insurance, companies don't profit that way.
If you would like to choose from a list of insurers who offer cheap insurance quotes in American Canyon in California, click this link.
When shopping for auto insurance there are multiple ways of comparing price quotes from lots of California auto insurance companies. The easiest way by far to do a complete rate comparison is simply to get online rate quotes.
It's important to know that comparing a large number of companies will improve the odds of getting lower pricing. Some smaller insurers do not give online quotes, so it's necessary to compare price estimates from them as well.
The companies shown below are ready to provide price comparisons in American Canyon, CA. To buy the best car insurance in California, we recommend you get prices from several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LS Extended Cab 4WD||$1,048||$524||$87|
|Dodge Ram Quad Cab Laramie 2WD||$2,056||$1,028||$171|
|Ford Escape XLT 4WD||$1,316||$658||$110|
|Ford F-150 XLT Super Cab 4WD||$1,254||$627||$105|
|Ford Focus S 4-Dr Sedan||$1,342||$671||$112|
|Ford Fusion Sport 4-Dr Sedan||$1,226||$613||$102|
|GMC Sierra SL Extended Cab 2WD||$1,342||$671||$112|
|Honda Accord LX 4-Dr Sedan||$1,452||$726||$121|
|Honda CR-V EX-L 4WD||$1,200||$600||$100|
|Honda Civic GX 4-Dr Sedan||$1,738||$869||$145|
|Hyundai Sonata Limited 4-Dr Sedan||$1,334||$667||$111|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,382||$691||$115|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,586||$793||$132|
|Toyota Camry XLE||$1,280||$640||$107|
|Toyota Corolla LE||$1,372||$686||$114|
|Volkswagen Jetta 2.0T Station Wagon||$1,574||$787||$131|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in American Canyon location which can lower or raise auto insurance rates considerably.
Impact of age and gender on car insurance rates
The information below illustrates the comparison of yearly insurance costs for male and female drivers in American Canyon. The costs are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no policy discounts are applied on a Kia Optima EX.
Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Do I just need basic coverages?
When quoting and comparing insurance from an agent or online for your vehicles, there really is no perfect coverage plan. Your situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your situation may require specific advice.
- Is my business laptop covered if it gets stolen from my vehicle?
- How do I file an SR-22 for a DUI in California?
- How high should my medical payments coverage be?
- Do I need rental car coverage?
- Should I buy more coverage than the required California minimum liability coverage?
- What is GAP insurance?
- Can my babysitter drive my car?
If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
What auto insurance coverages do you need?
Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your vehicle.
Since many California drivers have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
This coverage protects you from damage that occurs to other's property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers things like bail bonds, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hitting a deer, damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage will pay to fix damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as driving through your garage door, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Insurance for medical payments
Med pay and PIP coverage kick in for expenses for things like pain medications, doctor visits, nursing services and chiropractic care. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
One last thing to lower rates
When getting American Canyon auto insurance quotes online, it's a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage for the lowest cost, not the least amount of coverage.
Some insurance providers do not provide online quoting and these regional carriers prefer to sell through independent agents. More affordable auto insurance in American Canyon is definitely available online and from local agencies, so compare prices from both to have the best chance of lowering rates.
Additional information is located on the following sites:
- Senior Drivers (Insurance Information Institute)
- How Much are California Car Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Active Military in California? (FAQ)
- Who Has Cheap Car Insurance for Teenage Males in California? (FAQ)
- Who Has the Cheapest Auto Insurance for Retired Military in California? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Older Driver Statistics (Insurance Information Institute)