Are you tired of overpaying and want the cheapest car insurance rates in Fountain Valley, CA? Did a good deal turn into an overpriced car insurance policy? Trust us when we tell you there are many Fountain Valley consumers feeling the pinch from expensive car insurance.

It's shocking but over 70% of California drivers kept buying from the same company for at least the last four years, and just under half have never even compared quotes to find cheaper rates. With the average premium in America being $1,847, drivers could pocket about $860 a year just by getting comparison quotes, but most just don't grasp the rate savings if they swap their current policy for a cheaper one.

With vehicle owners having so many insurance providers from which to choose, it's nearly impossible to pick the lowest price insurance company.

Consumers should take time to check car insurance prices on a regular basis since prices are rarely the same from one policy term to another. If you had the best rate on car insurance on your last policy you may be paying too much now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to use the internet to find great coverage at a great price.

When comparison shopping, there are several ways of comparing rate quotes from many auto insurance companies in California. The quickest method to find the cheapest insurance rates is to use the internet to compare rates.

Getting free price quotes online is quite simple, and it takes the place of having to drive around to all the different Fountain Valley insurance agencies. Doing it all online eliminates the middleman unless you have a complicated situation and need the professional guidance that only a licensed agent can provide. It is possible to compare the best prices online but buy the policy through an agent.

When price shopping your coverage, obtaining a wide range of quotes provides better odds of finding more affordable insurance. Not every company allows you to get quotes online, so it's important to also get price quotes from them, too.

The following companies are ready to provide free quotes in California. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Fountain Valley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,652 $826 $138
Dodge Grand Caravan SXT $1,576 $788 $131
Dodge Ram Quad Cab SLT 4WD $1,280 $640 $107
Ford Edge SE AWD $1,298 $649 $108
Ford Escape Limited 4WD $1,082 $541 $90
Ford Explorer Eddie Bauer AWD $1,728 $864 $144
Ford F-150 XL Regular Cab 2WD $1,446 $723 $121
Ford Focus SES 2-Dr Coupe $1,568 $784 $131
Honda Accord LX-P 4-Dr Sedan $1,602 $801 $134
Honda CR-V EX 2WD $1,280 $640 $107
Honda Civic EX-L 2-Dr Coupe $1,442 $721 $120
Honda Odyssey Touring $1,592 $796 $133
Hyundai Sonata Limited 4-Dr Sedan $1,518 $759 $127
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,328 $664 $111
Nissan Altima 3.5 SR 4-Dr Sedan $1,450 $725 $121
Toyota Camry XLE $1,672 $836 $139
Toyota Corolla LE $1,606 $803 $134
Toyota RAV4 2WD $1,164 $582 $97
Volkswagen Jetta SEL 4-Dr Sedan $1,592 $796 $133
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in Fountain Valley which can alter rates greatly.

Reckless driving habits raise auto insurance rates

The example below highlights how speeding tickets and accidents can affect Honda Pilot yearly insurance costs for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

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

When do I need an agent's advice?

Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really isn't a best way to insure your cars. Every situation is different.Safe vehicles cost less to insure

These are some specific questions might help in determining if you might need professional guidance.

If you're not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Local neighborhood insurance agents

Certain consumers prefer to visit with an insurance agent and that is a smart decision One of the best bonuses of price shopping on the web is that you can obtain the best rates but still work with a licensed agent.

Find insurance agent in Fountain ValleyOnce you complete this quick form, your insurance data is transmitted to participating agents in Fountain Valley who can give free rate quotes to get your business. It makes it easy because there is no need to search for an agent as quotes are delivered directly to you. You can find lower rates AND a local agent. In the event you want to quote rates for a specific company, just find their quoting web page and complete a quote there.

Finding a good insurer is decision based upon more than just a cheap quote. These are valid questions to ask:

Claim statistics by make and model

Which vehicles have a tendency to have claims? The next tables list the highest and lowest vehicles for the probability of filing claims.

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 BMW M6
Smart ForTwo Porsche Panamera GTS
Nissan Xterra Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Nissan Leaf Maserati Quattroporte
Ford F-350 Audi S7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW 6 Series
Chevrolet Colorado Bentley Continental Flying Spur
Mini Cooper Bently Continental GTC
GMC Canyon Maserati Granturismo
Ford Edge Bently Continental GT
Ford F-150 SuperCrew BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Nissan Versa
Ford F-350 SuperCrew Chrysler 200
Ford Expedition Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Lancer
Audi A4 Allroad Kia Forte
Chevrolet Silverado 2500 Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Chevrolet Impala
Fiat 500 Dodge Charger
Subaru Forester Kia Rio
Chevrolet Corvette Hyndai Accent
Mercedes-Benz SL Class Chevrolet Cruze
Audi A6 Kia Optima

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years