Paying for overpriced car insurance in Concord can overdraw your monthly budget and put a big crunch on your finances. Doing a rate analysis is a fast and free way to ensure you are getting the best deal.

It's hard to fathom, but a large majority of consumers kept their coverage with the same car insurance company for four years or more, and nearly half have never compared quotes from other companies. Most drivers in Concord could save 35% every year just by getting comparison quotes, but they just don't understand how easy it is to do a rate comparison.

Many insurance companies vie to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute lowest price on car insurance.

Auto insurance companies offering low-cost prices in California

The companies in the list below are our best choices to provide price comparisons in California. To locate the best auto insurance in California, it's highly recommended you get prices from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Concord
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 Silverado LT Extended Cab 2WD $1,668 $834 $139
Dodge Grand Caravan Hero $1,722 $861 $144
Dodge Ram Quad Cab Laramie 4WD $2,176 $1,088 $181
Ford Escape XLS 4WD $1,482 $741 $124
Ford Explorer Eddie Bauer AWD $1,420 $710 $118
Ford F-150 STX Super Cab 2WD $1,224 $612 $102
Ford Focus SEL 4-Dr Sedan $1,206 $603 $101
GMC Sierra SL Crew Cab 4WD $1,460 $730 $122
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V LX 4WD $1,094 $547 $91
Honda Civic EX 2-Dr Coupe $1,952 $976 $163
Nissan Altima 3.5 SR 2-Dr Coupe $2,096 $1,048 $175
Toyota Camry LE $1,216 $608 $101
Toyota Corolla XLE $1,232 $616 $103
Toyota Prius $1,154 $577 $96
Toyota Tacoma Double Cab 4WD $1,800 $900 $150
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location which can raise or lower premiums noticeably.

Impact of citations and accidents on Concord insurance rates

The diagram below shows how violations and fender-benders can influence Nissan Altima insurance prices for different insured age categories. The premiums assume a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

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

Deductible comparison

The chart below highlights how deductible choice and can affect Ford F-150 insurance premiums for different categories of driver ages. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductibles

One of the most common car insurance questions is at what level do you set your deductibles. The premium rates below may aid in understanding the rate fluctuation of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

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

Chevrolet Tahoe insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $380 $686 $442 $26 $132 $1,691 $141
Tahoe LS 4WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LT 2WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LT 4WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LTZ 2WD $430 $810 $442 $26 $132 $1,865 $155
Tahoe LTZ 4WD $430 $810 $442 $26 $132 $1,865 $155
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Chevrolet Tahoe insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $210 $362 $442 $26 $132 $1,172 $98
Tahoe LS 4WD $238 $362 $442 $26 $132 $1,200 $100
Tahoe LT 2WD $238 $362 $442 $26 $132 $1,200 $100
Tahoe LT 4WD $238 $362 $442 $26 $132 $1,200 $100
Tahoe LTZ 2WD $238 $426 $442 $26 $132 $1,264 $105
Tahoe LTZ 4WD $238 $426 $442 $26 $132 $1,264 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in garaging location in Concord which can raise or lower prices substantially.

Based on this data, using a $100 deductible costs roughly $47 more each month or $564 every year than quoting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 19 months between claims, you would more than likely save some money if you choose a higher deductible.

You have control over your car insurance costs

An important part of buying insurance is that you know some of the factors that aid in calculating the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that may result in lower rates. Lots of factors are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, but others are less obvious like your vehicle usage or how safe your car is.

Shown below are a partial list of the pieces that factor into your rates.

Type of vehicle determines base rates - The performance level of the car or truck you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. Lower performance four cylinder passenger models normally have pretty low rates, but many other things help determine your insurance rates.

Do you qualify for a multi-policy discount? - Some car insurance companies provide a discount to policyholders who carry more than one policy in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it's in your best interest to get quotes from other companies to help guarantee you have the best rates. Consumers may save even more even if you have your coverage with different companies

Bump up coverage deductibles to lower rates - Physical damage protection, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims could be a broken side mirror, damage caused by hail, and damage from a fallen tree branch. Your deductibles are how much you are willing to pay before your car insurance pays a claim. The more damage repair cost you are required to pay out-of-pocket, the less your car insurance will be.

Is insurance cheaper for men or women? - Statistics show women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Both genders are in fender benders at about the same rate, but the men get into accidents with more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore have the most expensive car insurance rates.

Buy as much liability protection as you can afford - Your policy's liability coverage is the coverage that protects you if you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides legal defense coverage starting from day one. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Premiums are lower the older you get - More experienced drivers have been proven to be more responsible, file fewer claims, and are safer drivers.Beginning drivers are statistically shown to be inattentive when at the wheel of a vehicle and because of this, their car insurance rates are much higher.

These discounts can lower your auto insurance quotes

Car insurance can cost a lot, but you might be missing out on some discounts that may help make it more affordable. Certain credits will be shown when you get a quote, but less common discounts must be asked about before you get the savings.Cheaper auto insurance with discounts

Just know that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

Before you buy a policy, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in Concord.

Buying from car insurance agents

Many people would prefer to sit down and talk to an agent. One of the great benefits of comparing rate quotes online is you may find the lowest rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is especially important in Concord.

Insurance agents in ConcordOnce you complete this short form, the coverage information is emailed to participating agents in Concord who will give competitive quotes for your insurance coverage. It's much easier because you don't need to contact an agency as quotes are delivered to your email. You'll get the best rates and work with a local agent. If you wish to get a comparison quote from one company in particular, you can always find their quoting web page and fill out the quote form the provide.

Choosing an company should depend on more than just the bottom line cost. These are valid questions to ask:

Claim statistics by make and model

Do you own a high-claim vehicle? The following claim statistics show the highest and lowest cars and trucks for the probability of having claims for each type of coverage.

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Mitsubishi Lancer
Acura MDX Chevrolet Sonic
Subaru Outback Hyndai Accent
Subaru Forester Mitsubishi Mirage
Chevrolet Corvette Kia Optima
Fiat 500 Chrysler 200

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

Vehicle Make and Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford Expedition Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Ford F-350 SuperCrew Chevrolet Sonic
Tesla Model S Dodge Charger

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

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Bentley Continental GT
Ford F-350 BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class
Smart ForTwo Audi S7
Chevy Spark Maserati Quattroporte
GMC Sierra 2500 Maserati Granturismo

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

Car Insurance Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford Edge Bentley Continental Flying Spur
Mini Cooper Audi RS7
Chevrolet Colorado BMW 6 Series
Ford F-250 SuperCab Nissan GT-R
Nissan Xterra BMW M6
GMC Canyon Ferrari 458

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

One last thing to lower rates

Budget-conscious auto insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer price quotes online and these smaller providers work with independent insurance agents.

We just showed you a lot of techniques to find cheaper coverage online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a company that doesn't do a lot of advertising. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Progressive or GEICO.

While you're price shopping online, do not sacrifice coverage to reduce premiums. In many instances, an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Even more information can be read in the articles below: