Are you drained from not being able to scrape enough together to insure your vehicles every month? You have the same problem as many other California drivers.

A recent car insurance study discovered that nearly 70% of customers kept buying from the same company for four years or more, and virtually 40% of consumers have never quoted car insurance rates at all. With the average car insurance premium being $1,400, Arcata drivers could pocket as much as 35% a year just by comparing rates, but they don't invest the time required to do a rate comparison. Companies like State Farm and GEICO continually hit you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers should take time to take a look at other company's rates periodically because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on car insurance six months ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you're going to learn one of the quickest ways to remove unneeded coverages and save money.

Companies offering cheap rate quotes in California

The following companies offer free quotes in Arcata, CA. In order to find cheap car insurance in California, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Insurance Cost Estimates for Popular Vehicles in Arcata
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,526 $763 $127
Chevrolet Equinox LTZ AWD $1,592 $796 $133
Chevrolet Silverado LTZ Crew Cab 4WD $1,676 $838 $140
Dodge Grand Caravan Hero $1,216 $608 $101
Dodge Ram Crew Cab Sport 2WD $1,530 $765 $128
Ford Escape Limited 4WD $1,270 $635 $106
Ford F-150 Lariat Crew Cab Harley 4WD $1,252 $626 $104
Ford Focus S 4-Dr Sedan $1,496 $748 $125
Ford Fusion S 4-Dr Sedan $1,048 $524 $87
Honda Accord EX-L 4-Dr Sedan $1,640 $820 $137
Honda CR-V EX-L 4WD $1,316 $658 $110
Honda Civic LX-S 4-Dr Sedan $1,438 $719 $120
Nissan Altima 3.5 SR 4-Dr Sedan $1,124 $562 $94
Toyota Camry XLE $1,840 $920 $153
Toyota Corolla LE $1,232 $616 $103
Toyota RAV4 Limited 4WD $1,304 $652 $109
Get Your Own Custom Quote Go

Data 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-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Arcata location which can raise or lower coverage rates greatly.

Price comparison of only insuring for liability

The example below illustrates the comparison of Ford Escape insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no accidents, no driving violations, $100 deductibles, single male driver, and no policy discounts are applied.

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

When to stop paying for full coverage

There is no definitive guideline that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Ford Escape book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying more than $700 a year to have full coverage, then it may be the right time to buy liability only.

There are a few situations where dropping physical damage coverage is not a good idea. If you haven't satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Tickets and at-fault accidents raise rates

The diagram below shows how violations and at-fault accidents can influence Dodge Ram insurance costs for different insured age categories. The information is based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

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

Policy deductible comparison

The diagram below shows how different deductible levels and can impact Honda Pilot insurance costs for different ages of insureds. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

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

Cheaper Arcata auto insurance quotes with discounts

Car insurance companies do not list every available discount very well, so the list below contains some of the more common as well as the least known credits available to bring down your rates. If you do not check that you are getting every discount possible, you could be getting lower rates.Cheaper auto insurance with discounts

You can save money using discounts, but most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, insurance companies wouldn't stay in business.

Some of the insurance companies who may offer these discounts are:

Before purchasing a policy, check with every insurance company to give you their best rates. Some discounts might not be offered in Arcata. If you would like to see a list of auto insurance companies that offer discounts in California, click here.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Every situation is different.Safe vehicles cost less to insure

For instance, these questions might help in determining if you might need an agent's assistance.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for immediate expenses for nursing services, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision - This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism, rock chips in glass, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Liability insurance - This can cover injuries or damage you cause to other's property or people by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, legal defense fees, structural damage and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants and also any damage incurred to your vehicle.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Collision coverages - Collision insurance will pay to fix damage to your vehicle resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Vehicle claim statistics

Do you own a high-claim vehicle? The statistics tables below show the worst and best models for the probability of having large claims for each type of coverage listed.

Vehicle Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Nissan Sentra
Ford F-350 SuperCrew Chevrolet Sonic
Land Rover Range Rover Sport Kia Forte
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Mirage
Ford Expedition Mitsubishi Lancer

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

Lowest and Highest Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Porsche Panamera GTS
Chevy Spark Mercedes-Benz S Class
Ford F-350 BMW M6
GMC Sierra 2500 Audi S7
Nissan Xterra Maserati Quattroporte

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

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Chevrolet Sonic
Volvo XC60 Chevrolet Impala
Subaru Outback Kia Rio
Acura MDX Chevrolet Cruze
Audi A6 Mitsubishi Lancer

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

Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Bently Continental GTC
GMC Canyon Audi RS7
Ford F-250 SuperCab BMW 6 Series
Ford Edge Maserati Granturismo
Chevrolet Colorado Maserati Ghibli
Nissan Xterra Bentley Continental Flying Spur

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

Find cheap rates by comparing often

People leave their current company for a variety of reasons including not issuing a premium refund, questionable increases in premium, delays in paying claims and even policy non-renewal. It doesn't matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

Discount auto insurance in Arcata can be found from both online companies as well as from insurance agents, so you need to quote Arcata auto insurance with both to get a complete price analysis. Some insurance providers may not provide rate quotes online and usually these regional carriers provide coverage only through local independent agencies.

We just presented many tips how you can compare auto insurance car insurance rates in Arcata. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a company that doesn't do a lot of advertising.

For more information, link through to the resources below: