How many times have you said it's time to compare more affordable car insurance rates in Pleasanton, CA? Buying car insurance online could seem overwhelming if you have never used online quotes. But don't be dismayed because we're going to show you how.

It's amazing but nearly 70% of California drivers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never compared rates from other carriers. Many consumers in the U.S. could cut their rates by roughly $850 a year by just comparing quotes, but most just don't grasp the big savings they would realize if they switched to a cheaper policy.

It's a good idea to take a look at other company's rates before your next renewal because prices are constantly changing. Despite the fact that you may have had the best rates on car insurance on your last policy the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding the cheapest car insurance coverage in Pleasanton is much easier if you know where to start. If you are insured now, you should be able to get lower rates using these tips. But California consumers do need to understand how the larger insurance companies sell insurance online and apply this information to your search.

Companies offering low-cost rate quotes in California

The auto insurance companies shown below offer comparison quotes in California. If you wish to find the best auto insurance in California, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Pleasanton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,080 $540 $90
Chevrolet Silverado Crew Cab Hybrid 4WD $1,814 $907 $151
Dodge Grand Caravan SE $1,484 $742 $124
Dodge Ram Crew Cab SLT 2WD $2,052 $1,026 $171
Ford Escape XLS 4WD $992 $496 $83
Ford F-150 FX2 Super Cab 2WD $1,476 $738 $123
Ford Focus SE 2-Dr Coupe $1,282 $641 $107
Honda Accord LX-S 2-Dr Coupe $1,688 $844 $141
Honda CR-V LX 2WD $1,328 $664 $111
Honda Civic SI 2-Dr Coupe $1,594 $797 $133
Hyundai Elantra GLS Touring Station Wagon $1,118 $559 $93
Nissan Altima 2.5 S 2-Dr Coupe $1,540 $770 $128
Toyota Camry XLE $1,664 $832 $139
Toyota Corolla LE $1,464 $732 $122
Toyota Tacoma Double Cab 4WD $1,758 $879 $147
Volkswagen Jetta 2.0T 4-Dr Sedan $1,592 $796 $133
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in your specific Pleasanton location which can affect price quotes substantially.

Comparison of policy deductibles

The diagram below demonstrates how deductibles and can affect Toyota Corolla yearly insurance costs for different age groups. The premium estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

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

Where to set your deductibles

One common question asked by Pleasanton drivers is where to set your physical damage deductibles. The figures shown below highlight the cost difference between high and low insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $380 $686 $500 $30 $150 $1,771 $148
Optima EX $430 $810 $500 $30 $150 $1,945 $162
Optima SX $430 $810 $500 $30 $150 $1,945 $162
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Kia Optima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $278 $464 $500 $30 $150 $1,422 $119
Optima EX $314 $546 $500 $30 $150 $1,540 $128
Optima SX $314 $546 $500 $30 $150 $1,540 $128
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific Pleasanton garaging location which can lower or raise prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $32 more each month or $384 each year than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claim filings, you would come out ahead by going with a higher deductible. Here is how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $157
Average monthly premium for $500 deductibles (subtract): - $125
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important caveat is that a higher deductible level means you will have to pay more of your own money when you have a comprehensive or collision claim. That will require some savings in order to pay the higher deductible.

Bad driving habits will cost you more

The chart below shows how speeding tickets and accidents can influence Honda Pilot yearly insurance costs for different age groups. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

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

Discounts for lower Pleasanton insurance rates

Companies offering auto insurance don't always advertise all their discounts very well, so the following list contains a few of the more common and also the lesser-known credits available to bring down your rates.Save money with discounts

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, that's just not realistic.

Larger insurance companies and the discounts they provide are shown below.

If you need cheaper Pleasanton car insurance quotes, ask each company or agent how you can save money. Some discounts might not be offered on policies in every state. For a list of insurers with the best insurance discounts in California, click this link.

Components of your auto insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help determine the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs. Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are not quite as obvious like where you live or your financial responsibility.

Compare rate quotes but buy from a local Pleasanton insurance agency

Some people still prefer to have an agent's advice and that can be a great decision The best thing about comparing insurance prices online is the fact that you can find cheaper rates and still choose a local agent.

To help locate an agent, after submitting this short form, the coverage information is sent to participating agents in Pleasanton that can provide free Pleasanton car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies because prices are sent immediately to you. It's the lowest rates and a licensed agent to work with. If for some reason you want to get a comparison quote from a particular provider, don't hesitate to jump over to their website and complete a quote there.

Finding a good insurer shouldn't rely on just the price. Here are some questions you should ask.

Types of car insurance agents in Pleasanton

If you want to use a reputable agency, it can be helpful to understand the different types of agents and how they work. Agents are either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive normally can only provide a single company's rates like AAA, Allstate, and State Farm. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on their company's products and that enables them to sell even at higher rates. Consumers often buy from the same agent for years mostly because of the brand and the convenience of having all coverages with one company.

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company and that gives them the ability to insure through lots of different companies depending on which coverage is best. If you want to switch companies, an independent agent can move your coverage and you don't have to find a new agent.

If you need lower rates, it's recommended you get several quotes from at least one independent agent to have the most options to choose from. Most also have access to small mutual carriers which may have better rates.

Insurance myths debunked

Insurance companies such as State Farm, Allstate and GEICO consistently run television and radio advertisements. All the ads convey the message that you can save if you move to them. How do they all make the same claim? It's all in how they say it.

Different companies quote their best rates for the driver that is profitable for them. For example, a preferred risk could be over the age of 35, owns their home, and has a high credit rating. Any driver who fits those characteristics will get very good Pleasanton prices and as a result will probably pay quite a bit less when switching companies.

People who don't meet the requirements may be required to pay higher rates and this can result in business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save the amount stated. That's why insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you really need to get Pleasanton car insurance quotes from several different companies. Because you cannot predict with any certainty which company will have the best premium rates at this point in time.

Best and worst vehicle claim statistics

Which are the best vehicles for low claims? The following tables show the highest and lowest vehicle makes and models for overall likelihood of filing claims.

Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 BMW M6
Nissan Leaf Porsche Panamera GTS
Chevy Silverado 2500 Maserati Granturismo
Chevy Spark Audi S7
Volvo V60 Bentley Continental GT
GMC Sierra 2500 Bentley Continental GTC

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

Vehicle Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Maserati Granturismo
Chevrolet Colorado Bently Continental GTC
Smart ForTwo Maserati Ghibli
Ford Edge Bently Continental GT
GMC Canyon Nissan GT-R
Mini Cooper BMW 6 Series

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Nissan Versa
Ford F-250 SuperCrew Chevrolet Spark
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Corvette Dodge Charger
Audi A4 Allroad Kia Forte
Tesla Model S Chevrolet Sonic

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

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Mitsubishi Lancer
Audi A6 Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Impala
Subaru Outback Dodge Charger
Acura MDX Chrysler 200

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

More comparisons equals cheaper rates

People who switch companies do it for a number of reasons such as questionable increases in premium, being labeled a high risk driver, an unsatisfactory settlement offer or even high rates after DUI convictions. No matter why you want to switch, finding the right auto insurance provider can be easier than you think.

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy enough coverage at the lowest possible cost while still protecting your assets.

We just covered a lot of information how to shop for auto insurance online. The key concept to understand is the more price quotes you have, the better chance you'll have of finding the cheapest Pleasanton car insurance quotes. You may even discover the lowest car insurance rates are with a small local company.

Much more information about auto insurance in California is located on the following sites: