How many times have you said it's time to compare low-cost insurance rates in Livermore, CA? Livermore buyers have lots of choices when searching for low-cost car insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance so we're going to tell you the best way to compare rates for your and locate the lowest price.

It's smart to check insurance prices at least once a year since insurance prices change regularly. Just because you found the best deal on insurance six months ago you can probably find a better rate quote now. Forget all the misinformation about insurance because it's time to teach you the fastest way to properly buy coverages and cut your premium.

We hope to instruct you on how to compare rates easily and some tricks to saving. If you have a policy now, you stand a good chance to be able to cut your premiums using this information. Comparison shoppers just have to understand how to find the lowest price from many companies at once.

Car insurance companies in Livermore

The companies shown below can provide free rate quotes in California. If you wish to find the best car insurance in California, it's highly recommended you click on several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Livermore
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,488 $744 $124
Chevrolet Impala LS $1,158 $579 $97
Chevrolet Silverado LT Extended Cab 4WD $1,348 $674 $112
Dodge Ram Crew Cab Laramie 2WD $1,518 $759 $127
Ford Escape XLT 2WD $868 $434 $72
Ford F-150 XL Regular Cab 2WD $1,484 $742 $124
Ford Focus SEL 4-Dr Sedan $1,608 $804 $134
Ford Fusion S 4-Dr Sedan $1,342 $671 $112
Honda Accord EX 4-Dr Sedan $1,280 $640 $107
Honda CR-V LX 4WD $1,102 $551 $92
Honda Civic DX 4-Dr Sedan $1,118 $559 $93
Honda Odyssey LX $1,598 $799 $133
Mazda 3 I SV 4-Dr Sedan $1,234 $617 $103
Nissan Altima 3.5 SR 4-Dr Sedan $1,514 $757 $126
Toyota Camry Hybrid $1,754 $877 $146
Toyota Corolla S $1,588 $794 $132
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can lower or raise price quotes considerably.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The following insurance rates may help you to understand the price difference when you select higher and lower coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Escape insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLS 4WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLT 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape Limited 2WD $380 $564 $376 $22 $112 $1,479 $123
Escape XLT 4WD $380 $564 $376 $22 $112 $1,479 $123
Escape Limited 4WD $380 $686 $376 $22 $112 $1,601 $133
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $184 $298 $376 $22 $112 $992 $83
Escape XLS 4WD $184 $298 $376 $22 $112 $992 $83
Escape XLT 2WD $184 $298 $376 $22 $112 $992 $83
Escape Limited 2WD $210 $298 $376 $22 $112 $1,018 $85
Escape XLT 4WD $210 $298 $376 $22 $112 $1,018 $85
Escape Limited 4WD $210 $362 $376 $22 $112 $1,082 $90
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can modify premium rates substantially.

We can derive from the above data that using a $100 deductible will cost you roughly $38 more each month or $456 each year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 24 months between claim filings, you would more than likely save some money by going with a higher deductible. The illustration below shows how this decision is made.

Average monthly premium for $100 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will require a higher level of savings in the event you have to pay the deductible to have repairs made.

Discounts can help lower rates on car insurance

Companies offering auto insurance don't list the entire discount list in a way that's easy to find, so the list below gives a summary of both the well known as well as the least known discounts you could be receiving when you buy Livermore car insurance online.Save money with discounts

It's important to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will bring down the amount you pay for coverage.

Popular car insurance companies and some of their more popular discounts are included below.

If you want low cost Livermore car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts may not be available in Livermore. If you would like to see a list of companies that can offer you the previously mentioned discounts in California, follow this link.

Five ways to buy auto insurance for less in Livermore

Lots of things are used when pricing auto insurance. Some are obvious like an MVR report, but other criteria are less apparent such as your marital status or your financial responsibility.

Will just any policy work for me?

When quoting and choosing the right insurance coverage for your vehicles, there really isn't a one size fits all plan. Every insured's situation is different so your insurance needs to address that.Safe vehicles cost less to insure For example, these questions may help you determine whether your personal situation would benefit from professional advice.

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

Find cheaper rates by comparing often

In this article, we presented a lot of ways to reduce car insurance premium rates online in Livermore. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on car insurance is with the least-expected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Discount car insurance in Livermore is available from both online companies and from local agencies, so get free Livermore car insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide rates over the internet and these smaller companies only sell coverage through local independent agencies.

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