No car owner fancies paying their premiums for auto insurance, especially when they know the price is too high.

Unbelievable but true, the vast majority of auto insurance customers in California have been with the same company for over three years, and just short of a majority have never even compared quotes to find cheap rates. American consumers can cut their rates by approximately $859 a year by just comparing rate quotes, but they don't want to take the time to compare rates and save money.

Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

You need to take a look at other company's rates once or twice a year because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rate on auto insurance six months ago a different company probably has better premium rates today. There is lot of inaccurate information about auto insurance online but by reading this article, you're going to learn some solid techniques on how to put money back in your pocket.

When quoting auto insurance, remember that making a lot of price comparisons increases your odds of finding better pricing.

The companies in the list below are ready to provide quotes in California. If you want to find cheap auto insurance in California, we suggest you visit several of them to find the lowest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in La Mesa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,672 $836 $139
Chevrolet Silverado LT Crew Cab 4WD $1,690 $845 $141
Dodge Ram Crew Cab SLT 4WD $1,388 $694 $116
Ford Escape XLT 2WD $1,124 $562 $94
Ford F-150 Lariat Crew Cab 2WD $1,200 $600 $100
Ford Focus SES 2-Dr Coupe $1,766 $883 $147
GMC Sierra SLT Crew Cab 2WD $1,486 $743 $124
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V EX-L 4WD $1,134 $567 $95
Honda Civic EX 2-Dr Coupe $1,616 $808 $135
Jeep Wrangler Rubicon 4WD 2-Dr $1,310 $655 $109
Kia Optima LX $1,538 $769 $128
Nissan Altima 3.5 SR 2-Dr Coupe $1,616 $808 $135
Toyota Camry SE $1,568 $784 $131
Toyota Corolla XLE $2,022 $1,011 $169
Toyota Tacoma X-Runner 2WD $1,874 $937 $156
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can influence rates substantially.

Auto insurance rates based on gender

The diagram below illustrates the comparison of car insurance costs for male and female drivers in La Mesa. The prices are based on no claims or violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied on a Chevrolet Tahoe LTZ.

Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Physical damage deductible comparison

When buying auto insurance, a common question is how low should you set your deductibles. The comparison tables below can help show how much more you'll pay of buying low and high comp and collision deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.

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

Honda Pilot insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $342 $472 $442 $26 $132 $1,439 $120
Pilot EX 2WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX 4WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX-L 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot EX-L 4WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 4WD $386 $576 $442 $26 $132 $1,587 $132
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Honda Pilot insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $210 $298 $442 $26 $132 $1,108 $92
Pilot EX 2WD $238 $298 $442 $26 $132 $1,136 $95
Pilot EX 4WD $238 $298 $442 $26 $132 $1,136 $95
Pilot EX-L 2WD $238 $362 $442 $26 $132 $1,200 $100
Pilot EX-L 4WD $238 $362 $442 $26 $132 $1,200 $100
Pilot Touring 2WD $238 $362 $442 $26 $132 $1,200 $100
Pilot Touring 4WD $238 $362 $442 $26 $132 $1,200 $100
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in garaging location in La Mesa which can decrease or increase coverage prices significantly.

We can estimate from the data above that using a $250 deductible costs an average of $31 more each month or $372 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 24 months between claim filings, you would save money if you decide on a higher deductible.

Three main reasons to buy insurance

Even though it's not necessarily cheap to insure a vehicle in La Mesa, paying for insurance serves an important purpose.

The benefits of having insurance outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $850 per year so you should quote your policy with other companies at every policy renewal to save money.

How your La Mesa rates are determined

When buying auto insurance it's important to understand the different types of things that help determine your policy premiums. If you know what determines base rates, this helps enable you to make changes that can help you get lower rates. Lots of factors are used in the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are more transparent like your continuous coverage and annual miles driven.

The following are just a few of the factors auto insurance companies consider when setting your rates.

La Mesa auto insurance discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.Discount auto insurance

It's important to understand that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn't work that way.

Some of the larger companies that may offer some of the discounts shown above include:

When getting free La Mesa auto insurance quotes, it's a good idea to all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to view insurers with the best auto insurance discounts in La Mesa, click this link.

Final considerations

You just learned a lot of techniques to save on insurance in La Mesa. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost La Mesa auto insurance quotes. You may even discover the lowest priced insurance comes from a small local company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. There have been many situations where an insured cut liability limits or collision coverage only to find out that it was a big error on their part. The goal is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

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