How long has it been since you compared quotes for cheaper car insurance rates in South Gate, CA? Comparing South Gate car insurance quotes online might sound like a lofty goal if you are someone who has never done online car insurance quotes. But don't give up because there is an easy way to compare rates.
Regrettably, the vast majority of car insurance customers have stayed with the same insurance company for a minimum of four years, and nearly half have never quoted rates to find cheaper coverage. The average driver in California could save roughly $500 each year just by comparing rates, but they just assume it's a time-consuming process to compare rates and save money.
Get cheap rates by taking advantage of discounts
Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don't even know exist. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be manually applied prior to getting the savings. If you're not getting every credit available, you are paying more than you should be.
- Low Miles Discount - Low mileage vehicles may enable drivers to earn lower rates on the low mileage vehicles.
- Full Payment Discount - By making one initial payment rather than paying in monthly installments you may reduce your total bill.
- Accident-Free Discounts - Insureds who avoid accidents and claims pay less in comparison to drivers with a long claim history.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- Military Deployment Discount - Being deployed with a military unit could qualify you for better rates.
- Own a Home - Simply owning a home can get you a discount because of the fact that having a home means you have a higher level of financial diligence.
A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you can get free auto insurance, nobody gets a free ride.
Large car insurance companies and some of the premium reductions they offer can be read below.
- 21st Century may offer discounts for anti-lock brakes, driver training, teen driver, 55 and older, air bags, student driver, and theft prevention.
- State Farm may include discounts for safe vehicle, accident-free, defensive driving training, multiple autos, and good student.
- AAA includes discounts for good driver, AAA membership discount, pay-in-full, good student, and multi-car.
- Liberty Mutual offers discounts including new graduate, exclusive group savings, multi-car, preferred payment discount, safety features, and hybrid vehicle.
- Progressive may have discounts that include homeowner, multi-vehicle, online quote discount, good student, multi-policy, online signing, and continuous coverage.
It's a good idea to ask each company or agent how many discounts you can get. Depending on the company, some discounts may not be offered in your area.
When looking for cheap South Gate car insurance quotes, there are a couple ways of comparing rates from local South Gate car insurance companies. The simplest method to find competitive insurance rates involves getting comparison quotes online. It's important to know that getting more free quotes will increase your chances of finding a lower rate than you're paying now.
The companies shown below have been selected to offer free rate quotes in California. To get cheap car insurance in California, we recommend you visit two to three different companies in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$1,156||$578||$96|
|Chevrolet Impala LTZ||$1,568||$784||$131|
|Chevrolet Silverado LS Extended Cab 2WD||$1,422||$711||$119|
|Dodge Ram Crew Cab Sport 2WD||$1,566||$783||$131|
|Ford Escape Limited 4WD||$942||$471||$79|
|Ford F-150 XLT Crew Cab 4WD||$1,192||$596||$99|
|Ford Focus SE 2-Dr Coupe||$1,332||$666||$111|
|Honda Accord LX-P 4-Dr Sedan||$1,178||$589||$98|
|Honda CR-V LX 4WD||$1,118||$559||$93|
|Honda Civic SI 2-Dr Coupe||$2,302||$1,151||$192|
|Honda Odyssey EX||$1,136||$568||$95|
|Kia Optima SX||$1,486||$743||$124|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,460||$730||$122|
|Nissan Rogue SL AWD||$1,312||$656||$109|
|Toyota Camry LE||$1,570||$785||$131|
|Toyota Corolla XLE||$1,424||$712||$119|
|Get Your Own Custom Quote Go|
Data assumes married male 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. Price information does not factor in specific garaging location which can revise premium rates substantially.
How much more does full coverage cost in South Gate?
The diagram below examines Honda Pilot insurance premiums with full coverage compared to only the California minimum liability coverage. The prices are based on no accidents, no driving violations, $500 deductibles, single female driver, and no discounts are applied.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying full coverage
There is no exact rule of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let's pretend your Honda Pilot replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after you pay the deductible. If you are paying over $800 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not a good plan. If you haven't paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Why informed consumers get cheaper prices in South Gate
Many things are used in the calculation when you quote your car insurance policy. Some are obvious like an MVR report, although others are not quite as obvious like your vehicle usage or how safe your car is.
The itemized list below are a partial list of the pieces insurance companies consider when setting your premiums.
Premiums are high for teenagers - Teen drivers in California are proven to be less responsible when driving so insurance rates are higher. Older, more experienced drivers tend to be more responsible, file fewer claims, and receive fewer citations.
Raise your coverage deductibles for better premiums - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some coverage claims could be a dented fender, flood damage, and having your car stolen. Comp and collision deductibles define the amount the insured will be required to pay before a claim is paid by your company. The larger the amount you pay before a claim is paid (deductible), the bigger discount you will receive.
Do you work long hours in a high stress job? - Careers such as fire fighters, air traffic controllers, and medical professionals generally have higher premiums than the average policyholder in part from high stress levels and lots of time spent at work. Other careers such as farmers, engineers and performers pay the least.
Always keep your coverage in place - Driving any period of time without insurance is a big no-no and companies may charge more for letting your insurance expire. Not only will you pay more, getting caught without coverage might get you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with the California department of motor vehicles.
High credit scores equal low prices - A driver's credit score can be an important factor in your rate calculation. Insureds that have excellent credit scores tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit history is lower than you'd like, you could save money insuring your vehicle if you improve your credit rating.
See if your company offers a multi-policy discount - Many insurers provide a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even with this discount applied, consumers should still compare rates to guarantee you are still saving the most.
Local South Gate insurance agencies
Many drivers prefer to buy from a licensed agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is the fact that drivers can get cheap auto insurance quotes and still have a local agent.
For easy comparison, once you complete this simple form, your information is emailed to companies in South Gate who want to provide quotes for your auto insurance coverage. You don't have to even leave your home because quoted prices will be sent directly to you. You can get cheaper auto insurance rates without requiring a lot of work. If you need to get a comparison quote for a specific company, you can always visit that company's website and give them your coverage information.
Finding the right insurer requires you to look at more than just the premium amount. Some important questions to ask are:
- Has the agent ever had any license suspensions?
- What is the financial rating for the quoted company?
- How long have they been in business?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agent help file claims?
If you're trying to find an insurance agent, there are two types of agencies from which to choose. Agencies in South Gate are either exclusive or independent (non-exclusive).
Exclusive Insurance Agents
Exclusive agencies generally can only insure with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on their company's products which can be an advantage. Some insured continue to purchase coverage from exclusives mainly due to loyalty to the company and strong financial ratings.
Independent Auto Insurance Agencies
Independent agents can quote rates with many companies so they can quote policies with many different companies and potentially find a lower price. If you are not satisfied with one company, they simply switch companies in-house which makes it simple for you.
If you need lower rates, we recommend you include price quotes from a couple of independent agencies in order to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies that may provide cheaper auto insurance rates.
Why you need vehicle insurance in California
Despite the high insurance cost in South Gate, auto insurance is required by state law in California and it also provides benefits you may not be aware of.
First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your vehicle, most banks will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is cancelled, the lender may have to buy a policy to insure your vehicle at a significantly higher premium and force you to pay a much higher amount than you were paying before.
Third, auto insurance preserves not only your vehicle but also your assets. Insurance will pay for most medical and hospital costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. Despite what companies tell you, the average driver is overpaying more than $830 a year so shop around at every policy renewal to save money.
Quote more to save more
As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best cost, but do not skimp to save money.
Affordable car insurance in South Gate can be found from both online companies in addition to local insurance agencies, so you need to quote South Gate car insurance with both to have the best rate selection. A few companies may not have price quotes online and many times these small insurance companies provide coverage only through independent agents.
Throughout this article, we presented a lot of information how to lower your car insurance auto insurance rates in South Gate. The key thing to remember is the more companies you get premium rates for, the better chance you'll have of finding low cost South Gate car insurance quotes. Consumers may even find the best price on car insurance is with the smaller companies.
More information can be read at the links below
- Auto Insurance Basics (Insurance Information Institute)
- How Much is Car Insurance for Drivers Over Age 70 in California? (FAQ)
- What Car Insurance is Cheapest for a Ford Explorer in California? (FAQ)
- Who Has the Cheapest California Car Insurance Rates for a Toyota 4Runner? (FAQ)
- Who Has Cheap Car Insurance Rates for High School Students in California? (FAQ)
- What Auto Insurance is Cheapest for a Mazda CX-7 in California? (FAQ)
- Which Company has the Cheapest Auto Insurance in Stockton, California? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Young Drivers: The High Risk Years Video (iihs.org)
- Side Impact Crash Tests (iihs.org)