Do you want lower-priced car insurance rates in Greenfield, CA? Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are many people just like you.
A recent car insurance study revealed that the majority of drivers kept their coverage with the same car insurance company for over three years, and 38% of customers have never quoted rates to find cheaper coverage. California insurance shoppers could save $469 a year, but they think it's difficult to find cheaper car insurance rates. Many insurance companies compete for your insurance dollar, so it's not easy to compare every company to discover the definitive lowest rate on car insurance.
It's smart to get comparison quotes once or twice a year since insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on car insurance last year other companies may now be cheaper. There is a lot of bad advice regarding car insurance online, but in a few minutes you can learn some excellent ideas to find affordable car insurance in Greenfield.
Auto insurance companies offering competitive rates in California
The companies shown below are our best choices to provide price comparisons in California. If you want to find cheap auto insurance in California, it's a good idea that you click on several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 4WD||$990||$495||$83|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,532||$766||$128|
|Dodge Ram Crew Cab Sport 2WD||$1,630||$815||$136|
|Ford Escape XLS 4WD||$982||$491||$82|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,728||$864||$144|
|Ford Focus SE 4-Dr Sedan||$1,142||$571||$95|
|GMC Sierra SLT Extended Cab 4WD||$1,904||$952||$159|
|Honda Accord EX-L 4-Dr Sedan||$1,252||$626||$104|
|Honda CR-V EX 2WD||$1,280||$640||$107|
|Honda Civic SI 4-Dr Sedan||$1,536||$768||$128|
|Hyundai Elantra SE 4-Dr Sedan||$1,388||$694||$116|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,062||$531||$89|
|Nissan Altima Hybrid 4-Dr Sedan||$1,406||$703||$117|
|Toyota Camry LE||$1,570||$785||$131|
|Toyota Corolla XRS||$1,450||$725||$121|
|Toyota Tacoma 2WD||$1,158||$579||$97|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can change coverage prices considerably.
Difference between liability only and full coverage rates
The example below illustrates the comparison of Toyota Corolla insurance costs with and without full coverage. Data assumes a clean driving record, no claims, $100 deductibles, married female driver, and no other discounts are factored in.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Guidelines for dropping full coverage
There is no definitive rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 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 Toyota Corolla replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after the policy deductible has been paid. If you are paying more than $700 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Bad driving habits will cost you more
The information below shows how violations and at-fault accidents can increase Ford Focus insurance costs for different age groups of insureds. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
Premiums by gender and age
The illustration below visualizes the comparison of insurance costs for male and female drivers in Greenfield. The information is based on no claims or driving citations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration on a Honda Civic LX-S.
Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Get cheaper rates by taking advantage of discounts
Not too many consumers would say auto insurance is affordable, but there are discounts available that you may not know about. Some of these discounts will be visible when you complete an application, but a few need to be inquired about before you get the savings.
- Memberships - Belonging to certain professional organizations may earn a discount when shopping for auto insurance.
- Good Grades Discount - Getting good grades may save as much as 25% on a Greenfield car insurance quote. Earning this discount can benefit you until age 25.
- Online Discount - Certain insurance companies give back up to $50 for buying your policy on the web.
- ABS Brakes - Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
- Drive Safe and Save - Safe drivers can pay as much as 50% less than drivers with accident claims.
- Multi-Vehicle Discounts - Insuring all your vehicles with the same company qualifies for this discount.
- Early Renewal Discounts - Select insurance companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
- Auto/Life Discount - Some insurance companies give a break if you buy some life insurance in addition to your auto policy.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
It's important to note that most credits do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn't work that way. Any qualifying discounts will definitely reduce your policy premiums.
If you would like to choose from a list of auto insurance companies that have a full spectrum of discounts in California, click here to view.
Big brands don't always mean big savings
Consumers can't avoid all the ads that claim the cheapest prices from companies such as State Farm, GEICO and Progressive. They all seem to make an identical promise about saving some big amount if you switch your policy.
But how can every company say the same thing? Just pay attention to how they say it.
Different companies can use profiling for the right customer they prefer to insure. For instance, a preferred risk could possibly be over the age of 50, has no claims, and has excellent credit. Anyone who matches those parameters will get low prices and have a good chance to save when switching.
Drivers who fall outside these standards may receive higher prices and this results in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everyone that quotes" can save as much as they claim. That is how companies can make it sound like they have such great premium rates. This really drives home the point why drivers should quote coverage with many companies. It's not possible to predict which insurance companies will provide you with the cheapest insurance in Greenfield.
When searching for cheap Greenfield car insurance quotes, it's not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest cost and still be able to protect your assets.
Some insurance companies do not offer online quoting and most of the time these regional carriers sell through local independent agents. Cheap insurance in Greenfield is definitely available on the web in addition to many Greenfield insurance agents, so you should be comparing quotes from both to have the best rate selection.
Additional information can be found below:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable California Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- What is the Cheapest Car Insurance in Sacramento, California? (FAQ)
- Who Has Cheap California Auto Insurance for a Company Car? (FAQ)
- Who Has Cheap Car Insurance Quotes for High Mileage Drivers in California? (FAQ)
- Who Has Cheap California Auto Insurance Rates for Drivers with Accidents? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in California? (FAQ)
- How Much are Auto Insurance Rates for Homeowners in California? (FAQ)
- Frontal Crash Tests (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Understanding Car Crashes Video (iihs.org)