There isn't anyone who is fond of buying insurance, especially when they are aware that they could find better rates elsewhere.

Surprisingly, a recent survey revealed that most insurance buyers kept their policy with the same company for well over three years, and nearly half have never compared rates from other carriers. The average driver in Cypress can save roughly 35% each year just by shopping around, but they don't know how much money they would save if they switched to a more affordable policy.

There are many insurers to buy insurance from, and even though it's nice to have multiple companies, more options can take longer to find the lowest rates.

Affordable car insurance companies in Cypress

The companies in the list below can provide price comparisons in California. If you want to find cheap car insurance in California, we suggest you get price quotes from several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Cypress
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $990 $495 $83
Chevrolet Silverado LT Crew Cab 2WD $2,018 $1,009 $168
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,562 $781 $130
Ford Escape XLS 2WD $1,280 $640 $107
Ford F-150 FX4 4WD $1,368 $684 $114
Ford Focus SEL 4-Dr Sedan $1,832 $916 $153
Honda Accord EX-L 2-Dr Coupe $1,334 $667 $111
Honda CR-V EX-L 4WD $1,268 $634 $106
Honda Civic EX-L 2-Dr Coupe $1,700 $850 $142
Hyundai Elantra GLS 4-Dr Sedan $1,452 $726 $121
Mazda 3 I Touring 4-Dr Sedan $2,022 $1,011 $169
Nissan Altima 2.5 S 2-Dr Coupe $1,344 $672 $112
Toyota Camry LE $1,532 $766 $128
Toyota Corolla XLE $1,424 $712 $119
Toyota Prius $1,104 $552 $92
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific Cypress garaging location which can increase or decrease prices considerably.

Cypress insurance costs by age and gender

The diagram below illustrates the difference between insurance rates for male and female drivers in Cypress. The prices are based on no accidents or driving violations, full coverage, $250 deductibles, single marital status, and no policy discounts are applied on a GMC Acadia SLT.

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

Verify you're receiving every discount

Insurance can cost an arm and a leg, but there could be significant discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some need to be inquired about before you get the savings. If they aren't giving you every credit you deserve, you may be paying too high a price.Save money with discounts

As a sidenote, most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

Larger car insurance companies and a partial list of their discounts are included below.

When quoting, ask every company which discounts can lower your rates. Savings might not be available to policyholders in every state.

When should I discuss my situation with an agent?

When quoting and comparing insurance from an agent or online, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won't apply.Safe vehicles cost less to insure These are some specific questions can help discover whether your personal situation will benefit from professional help.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance overall losses by make and model

Does your vehicle tend to have claims? The following claim statistics show the worst and best vehicle models for overall likelihood of having to file claims orgainized by coverage.

Vehicle Models with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Chrysler 200
Volvo XC60 Dodge Charger
Acura MDX Hyndai Accent
Subaru Forester Mitsubishi Mirage
Fiat 500 Chevrolet Sonic
Chevrolet Corvette Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Auto Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Mercedes-Benz S Class
Infiniti QX50 BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Nissan Xterra BMW M6
Smart ForTwo Audi S7
Chevy Spark Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Corvette Chrysler 200
Land Rover Range Rover Sport Mitsubishi Lancer
Ford F-350 SuperCrew Mitsubishi Mirage
Ford Expedition Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew BMW M6
Smart ForTwo Bentley Continental Flying Spur
Nissan Xterra Bently Continental GTC
Ford Edge Ferrari 458
GMC Canyon Maserati Granturismo
Jeep Wrangler Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Persistent drivers can save

When you buy Cypress auto insurance online, it's not a good idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

We've covered many ideas to save on car insurance in Cypress. It's most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest Cypress auto insurance quotes. Consumers could even find that the best rates are with the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

Additional information is available at the links below