If you are a novice to online insurance shopping, chances are good that you are baffled by the sheer number insurance agents and companies that all say they have the best rates.

Shockingly, a large majority of insurance policyholders have purchased from the same company for a minimum of four years, and almost 40% of drivers have never taken the time to shop around. Many drivers in La Quinta could save roughly $470 a year, but they just don't understand how much money they would save if they replace their high priced policy.

It's a great practice to compare premium rates occasionally since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on insurance two years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance because I'm going to teach you the things you must know in order to reduce your cost while increasing coverage.

Buying the best coverage in La Quinta is actually quite simple. Basically, anyone who quotes car insurance most likely will buy a cheaper policy. But California consumers need to have an understanding of how big insurance companies charge you for coverage and use it to your advantage.

Save money by earning these six discounts

Insurance is expensive, but there could be significant discounts that could help you make your next renewal payment. Certain credits will be shown when you complete an application, but lesser-known reductions have to be manually applied prior to receiving the credit.Insurance discounts

A quick disclaimer, many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies aren't that generous.

For a list of providers who offer free insurance quotes in La Quinta, click here.

When comparison shopping, getting more free quotes will enable you to find more affordable insurance.

The companies shown below have been selected to offer quotes in La Quinta, CA. To find cheap auto insurance in California, we recommend you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in La Quinta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,028 $514 $86
Chevrolet Impala LT $1,758 $879 $147
Chevrolet Silverado LT Extended Cab 4WD $1,168 $584 $97
Dodge Grand Caravan Crew $1,354 $677 $113
Dodge Ram Quad Cab Sport 4WD $1,712 $856 $143
Ford Escape Limited 2WD $1,532 $766 $128
Ford Explorer Limited 2WD $1,048 $524 $87
Ford F-150 FX4 Super Cab 4WD $1,576 $788 $131
Ford Focus SES 2-Dr Coupe $1,388 $694 $116
Honda Accord LX 4-Dr Sedan $1,260 $630 $105
Honda CR-V EX-L 2WD $1,164 $582 $97
Honda Civic EX-L 2-Dr Coupe $1,276 $638 $106
Hyundai Elantra SE 4-Dr Sedan $2,022 $1,011 $169
Kia Optima SX $2,178 $1,089 $182
Mazda 3 S Sport 4-Dr Hatchback $1,592 $796 $133
Nissan Altima 2.5 S 4-Dr Sedan $1,418 $709 $118
Toyota Camry XLE $1,418 $709 $118
Toyota Corolla XRS $1,324 $662 $110
Toyota Prius $1,254 $627 $105
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in La Quinta location which can change premium rates significantly.

Annual premiums for males versus females

The chart below shows the comparison of auto insurance costs for male and female drivers in La Quinta. The information is based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in on a Nissan Sentra 2.0 SR.

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

Comparison of policy deductibles

The illustration below demonstrates how deductible levels and can increase or decrease Hyundai Sonata premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

When in doubt talk to an agent

When it comes to choosing a policy, there isn't really a best way to insure your cars. Every insured's situation is different and your car insurance should be unique as well.Car insurance savings These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Local La Quinta car insurance agents

Some consumers still like to go talk to an agent and that is OK! The best thing about comparing rate quotes online is that you can obtain cheap car insurance rates and still choose a local agent. And providing support for neighborhood agents is still important in La Quinta.

Find insurance agent in La QuintaBy using this form (opens in new window), your insurance data is submitted to local insurance agents who will give you bids for your coverage. You don't have to drive around because prices are sent immediately to your email address. You can find better rates and a licensed agent to talk to. If you have a need to get a rate quote from a specific insurance company, don't hesitate to jump over to their website and fill out their quote form.

Choosing an provider is decision based upon more than just a cheap price quote. Get answers to these questions too.

Protect more than your vehicle

Even though it can be expensive, insuring your vehicle serves several important purposes.

The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. But the average American driver is currently overpaying as much as $810 a year so shop around each time the policy renews to ensure rates are competitive.

Specific coverages

Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Collision insurance

Collision insurance covers damage to your vehicle caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, crashing into a ditch, scraping a guard rail and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to increase the deductible to bring the cost down.

Liability coverages

This can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, repair bills for other people's vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like funeral costs, dental work, hospital visits, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your vehicle.

Since many California drivers have only the minimum liability required by law (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy's liability coverage.

Insurance losses by coverage

Which vehicles statistically have the most claims? The following claim statistics show the best and worst vehicle makes and models for the probability of having large claims for each type of coverage.

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab Maserati Ghibli
Ford F-150 SuperCrew Bently Continental GT
Nissan Xterra BMW M6
GMC Canyon Bently Continental GTC
Jeep Wrangler Ferrari 458
Mini Cooper Maserati Granturismo

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

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Chrysler 200
Acura MDX Mitsubishi Mirage
Mercedes-Benz SL Class Mitsubishi Lancer
Chevrolet Corvette Kia Rio
Volvo XC60 Chevrolet Cruze
Fiat 500 Chevrolet Sonic

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

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Maserati Quattroporte
Volvo V60 BMW M6
Infiniti QX50 Bentley Continental GTC
Nissan Xterra BMW M6
Smart ForTwo Audi S7
GMC Sierra 2500 Mercedes-Benz S Class

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

Vehicle Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chevrolet Spark
Ford F-350 SuperCrew Kia Forte
Audi A4 Allroad Mitsubishi Lancer
Chevrolet Silverado 3500 Chevrolet Sonic
Ford Expedition Chrysler 200
Chevrolet Silverado 2500 Dodge Charger

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

Be persistent and save

When buying insurance coverage, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

In this article, we presented a lot of information how to compare car insurance rates in La Quinta. The key concept to understand is the more you quote La Quinta car insurance, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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