Finding the cheapest insurance for a car in California can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare insurance rates and we'll show you the quickest way to price shop coverage for a new or used and obtain the lowest possible price.

It is always a good idea to take a look at other company's rates before your next renewal because insurance prices are variable and change quite frequently. Even if you got the lowest price on insurance six months ago you may be paying too much now. Ignore everything you know about insurance because I'm going to teach you the right way to find better rates and still maintain coverage.

If you're already insured or need new coverage, you can use these techniques to buy cheaper insurance without having to cut coverage. Comparison shopping for cheaper insurance policy in Hercules is easy to do. Smart shoppers only have to learn the tricks to compare rate quotes online.

The method we recommend to get rate comparisons is to know most larger insurance companies participate in a system to give rate comparisons. The one thing you need to do is give the companies some data including how your vehicles are used, how much education you have, the type of vehicles you drive, and if the vehicle is leased. Those rating factors is instantly submitted to multiple car insurance providers and you should receive rate quotes with very little delay.

To start a quote now, click here and enter the information requested.

The following companies offer quotes in Hercules, CA. In order to find the best cheap auto insurance in California, we recommend you visit as many as you can to get the most affordable price.

Insurance Costs for Popular Vehicles in Hercules
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,566 $783 $131
Dodge Ram Quad Cab SLT 4WD $1,458 $729 $122
Ford Escape Limited 4WD $1,072 $536 $89
Ford F-150 Lariat King Ranch 2WD $1,710 $855 $143
Ford Focus SES 2-Dr Coupe $1,568 $784 $131
Honda Accord EX-L 2-Dr Coupe $2,178 $1,089 $182
Honda CR-V EX 4WD $1,336 $668 $111
Honda Civic EX 4-Dr Sedan $1,204 $602 $100
Hyundai Elantra GLS 4-Dr Sedan $2,022 $1,011 $169
Jeep Grand Cherokee SRT-8 4WD $1,598 $799 $133
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,190 $595 $99
Nissan Altima 2.5 4-Dr Sedan $1,518 $759 $127
Toyota Camry SE $1,230 $615 $103
Toyota Corolla XLE $1,256 $628 $105
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific location which can impact premiums greatly.

Analysis of deductible levels

When buying car insurance, a common question is how high should the physical damage deductibles be. The tables below lay out the differences in price between low and high deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

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

Toyota Camry insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $380 $686 $442 $26 $132 $1,691 $141
Camry SE $380 $810 $442 $26 $132 $1,815 $151
Camry XLE $380 $810 $442 $26 $132 $1,815 $151
Camry Hybrid $430 $810 $500 $30 $150 $1,945 $162
Get a Quote for Your Vehicle Go
Toyota Camry insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $278 $464 $442 $26 $132 $1,342 $112
Camry SE $278 $546 $442 $26 $132 $1,424 $119
Camry XLE $278 $546 $442 $26 $132 $1,424 $119
Camry Hybrid $314 $546 $500 $30 $150 $1,540 $128
Get a Quote for Your Vehicle Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can modify coverage rates substantially.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $31 more each month or $372 each year than opting for the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claims, you would most likely save money by selecting a higher deductible.

Irresponsible driving raises your rates

The illustration below highlights how speeding tickets and accidents can drive up Dodge Ram yearly insurance costs for each different age category. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Difference between full coverage and liability only rates

The illustration below illustrates the difference between Dodge Ram car insurance costs with full coverage and liability only. The premiums are based on no claims, a clean driving record, $250 deductibles, single male driver, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no written rule to delete physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Dodge Ram claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are paying more than $800 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Score discounts to get cheaper Hercules auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be inquired about before being credited.Cheaper auto insurance with discounts

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, it just doesn't work that way.

To view insurance companies with the best auto insurance discounts in Hercules in Hercules, click here to view.

Insuring your vehicle just makes sense

Despite the potentially high cost of auto insurance, buying auto insurance is a good idea for several reasons.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $825 a year so it's important to compare rates every year to be sure current rates are still competitive.

Do I just need basic coverages?

When choosing the best car insurance coverage, there isn't really a "best" method to buy coverage. Your needs are unique to you so your insurance should reflect thatSafe vehicles cost less to insure For instance, these questions may help you determine if your insurance needs might need professional guidance.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

When to get advice from a local insurance agent

A small number of people would prefer to sit down with an agent. Insurance agents can point out coverage gaps and help in the event of a claim. A good thing about comparing insurance online is that drivers can save money and get the best rates but still work with a licensed agent.

Insurance agents in HerculesTo make it easy to find an agent, after completing this short form, your insurance coverage information is sent to local insurance agents that give free quotes for your insurance coverage. You won't even need to do any legwork since price quotes are sent directly to your email. If you wish to compare prices for a specific company, you would need to go to their quote page and submit a quote form there.

Choosing the best insurance company should depend on more than just the bottom line cost. The answers to these questions are important, too.

When searching for a reliable insurance agent, you should know the different types of agents to choose from. Insurance agents in Hercules can be described as either exclusive agents or independent agents. Either one can write insurance policies, but it's worth mentioning how they are different since it could factor into buying decisions.

Exclusive Insurance Agents

Exclusive agencies can only provide pricing for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well on the products they sell which helps them sell on service rather than price. Some people will only buy from exclusive agents mostly because of the brand legacy rather than having low rates.

Independent Agents (or Brokers)

Independent agents are not restricted to one company and that gives them the ability to insure with a variety of different insurance companies and find you the best rates. If they find a lower price, your agent can switch companies and you don't have to switch agencies.

When searching for an agent, you absolutely need to get several quotes from multiple independent agents for maximum quote selection. A lot of them also have access to lesser-known insurance companies which could offer lower prices.

Once you have acceptable answers and an affordable coverage quote, it's a good possibility that you have found an auto insurance agent that will insure your vehicles. But keep in mind it's your coverage and you can terminate coverage when you choose so never assume you're contractually obligated to your new company with no way to switch.