How long has it been since the last time you looked for more affordable auto insurance rates in Pacifica, CA? Searching for the lowest cost quotes over the internet may be overwhelming for drivers who are new to buying their auto insurance on the internet. With such a large choice of companies in the marketplace, how can you have time to compare each option to find better auto insurance prices?
It's astonishing, but most drivers in California renewed their policy with the same company for at least the last four years, and 38% of customers have never compared rates to find affordable insurance. U.S. insurance shoppers could save nearly 46.5% each year, but they don't understand how simple it is to compare rate quotes.
You should take the time to compare prices every six months due to the fact that insurance prices change frequently. If you had the best deal on auto insurance a couple years back there may be better deals available now. You can search a lot of auto insurance out there, but in a few minutes you can learn some great ways to lower your auto insurance rates in Pacifica.
Quote cheaper car insurance with these tips
Many things are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although others are not as apparent such as your marital status or your commute time. A large part of saving on car insurance is knowing some of the things that go into determining your policy premiums. If you understand what controls the rates you pay, this helps enable you to make changes that could result in big savings.
Listed below are most of the major factors companies use to determine rates.
Safer cars are cheaper to insure - Vehicles that have high safety ratings are cheaper to insure. These vehicles reduce injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy. If your car, truck, or SUV has at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
The more you drive the more you pay - Driving a lot of miles every year the more it will cost to insure it. The majority of insurers rate vehicles partially by how you use the vehicle. Autos left parked in the garage cost less to insure than vehicles that have high annual mileage. It's a smart idea to ensure your policy reflects annual mileage, because it can save money.
High credit history translates to low premiums - Your credit rating will be a significant factor in calculating your premium rate. Consumers who have excellent credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit rating is not that good, you could pay less to insure your vehicle by improving your credit score.
Minor frequent policy claims are not good - Insurance companies in California award lower rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
Little extras can really add up - Insurance companies have many extra bells and whistles you can purchase if you aren't diligent. Insurance for vanishing deductibles, towing, and extra equipment coverage could be just wasting money. You may think they are a good idea at first, but if you don't need them remove them and pocket the money.
Better prices for uninterrupted coverage - Driving any period of time without insurance can get you a ticket and any future policy may cost more because you let your insurance lapse. Not only will you pay more, not being able to provide proof of insurance may earn you fines or a revoked license.
How to buy auto insurance in Pacifica, CA
When shopping for low cost Pacifica auto insurance quotes, there are a couple of ways to compare rate quotes from different Pacifica insurance companies. The fastest way to find competitive insurance rates consists of obtaining rate quotes online. Just keep in mind that comparing more quotes helps improve the odds of finding a better price. Some insurance companies are not set up to provide online price quotes, so it's recommended that you also compare quotes from them as well.
The following companies offer price comparisons in California. If multiple companies are listed, we recommend you click on several of them to find the most competitive auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,406||$703||$117|
|Chevrolet Impala LTZ||$1,256||$628||$105|
|Chevrolet Malibu LTZ||$1,592||$796||$133|
|Chevrolet Silverado LS Extended Cab 2WD||$1,222||$611||$102|
|Dodge Grand Caravan Hero||$1,172||$586||$98|
|Dodge Ram Quad Cab Sport 4WD||$1,832||$916||$153|
|Ford Escape Limited 2WD||$1,190||$595||$99|
|Ford F-150 XLT Crew Cab 2WD||$1,388||$694||$116|
|Ford Focus SE 2-Dr Coupe||$1,498||$749||$125|
|Honda Accord LX 4-Dr Sedan||$1,178||$589||$98|
|Honda CR-V EX 2WD||$1,260||$630||$105|
|Honda Civic EX 2-Dr Coupe||$1,276||$638||$106|
|Kia Optima SX||$1,344||$672||$112|
|Nissan Altima Hybrid 4-Dr Sedan||$1,264||$632||$105|
|Nissan Rogue S 2WD||$1,124||$562||$94|
|Toyota Camry Hybrid||$1,762||$881||$147|
|Toyota Corolla S||$1,840||$920||$153|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can change rates greatly.
Auto insurance deductibles
When buying auto insurance, a common question is what deductibles to buy. The premium rates below show the cost difference when you select higher and lower physical damage deductibles. The first table uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$298||$576||$442||$26||$132||$1,499||$125|
|Civic VP 4-Dr Sedan||$298||$678||$442||$26||$132||$1,601||$133|
|Civic LX 4-Dr Sedan||$298||$678||$442||$26||$132||$1,601||$133|
|Civic DX 2-Dr Coupe||$298||$678||$552||$32||$166||$1,751||$146|
|Civic EX 4-Dr Sedan||$298||$678||$442||$26||$132||$1,601||$133|
|Civic LX-S 4-Dr Sedan||$298||$678||$442||$26||$132||$1,601||$133|
|Civic LX 2-Dr Coupe||$298||$780||$552||$32||$166||$1,853||$154|
|Civic EX-L 4-Dr Sedan||$342||$780||$442||$26||$132||$1,747||$146|
|Civic SI 4-Dr Sedan||$342||$780||$442||$26||$132||$1,747||$146|
|Civic EX 2-Dr Coupe||$342||$780||$552||$32||$166||$1,897||$158|
|Civic GX 4-Dr Sedan||$342||$780||$442||$26||$132||$1,747||$146|
|Civic EX-L 2-Dr Coupe||$342||$780||$552||$32||$166||$1,897||$158|
|Civic Hybrid 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Civic SI 2-Dr Coupe||$386||$882||$552||$32||$166||$2,043||$170|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$242||$464||$442||$26||$132||$1,306||$109|
|Civic VP 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic DX 2-Dr Coupe||$242||$546||$552||$32||$166||$1,538||$128|
|Civic EX 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX-S 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX 2-Dr Coupe||$242||$630||$552||$32||$166||$1,622||$135|
|Civic EX-L 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic SI 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic EX 2-Dr Coupe||$278||$630||$552||$32||$166||$1,658||$138|
|Civic GX 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic EX-L 2-Dr Coupe||$278||$630||$552||$32||$166||$1,658||$138|
|Civic Hybrid 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|Civic SI 2-Dr Coupe||$314||$712||$552||$32||$166||$1,776||$148|
|Get a Quote for Your Vehicle Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in zip code location which can increase or decrease prices substantially.
Based on this data, using a $250 deductible costs about $18 more each month or $216 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 14 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The numbers below show a better example of how you can come to your own conclusion.
|Average monthly premium for $250 deductibles:||$144|
|Average monthly premium for $500 deductibles (subtract):||- $126|
|Monthly savings from raising deductible:||$18|
|Difference between deductibles ($500 - $250):||$250|
|Divide difference by monthly savings:||$250 / $18|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||14 months|
One important note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a physical damage claim. That will require enough money in the bank in the event you have to pay the deductible to have repairs made.
Pacific Grove insurance premiums for males versus females
The information below visualizes the comparison of insurance premiums for male and female drivers in Pacific Grove. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in on a Ford Fusion Sport.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Three reasons auto insurance is important
Despite the high cost, buying auto insurance serves several important purposes.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, most banks will stipulate that you have insurance to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your vehicle at a more expensive rate and require you to fork over for the expensive policy.
- Auto insurance protects not only your car but also your financial assets. It will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle gets damaged, your policy will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. But the average American driver is overpaying over $810 a year so it's recommended you shop around each time the policy renews to ensure rates are competitive.
Determine discounts on Pacifica auto insurance
Auto insurance is expensive, but you may find discounts to help offset the cost. A few discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.
- Telematics Discount - Drivers who elect to allow driving data collection to look at driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system might see lower rates as long as the data is positive.
- Drivers Ed for Students - Teen drivers should participate in a local driver's education class if offered at their school.
- Paperless Signup - A few larger online companies will give you a small discount for completing your application online.
- First Accident Forgiveness - This isn't a discount exactly, but companies like State Farm and Progressive allow you one accident before hitting you with a surcharge if you are claim-free before the accident.
- Distant Student Discount - Any of your kids who live away from home to go to college and do not have a car may be insured at a cheaper rate.
- Active Military Service - Being on active deployment in the military could qualify you for better auto insurance rates.
While discounts sound great, it's important to understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, companies don't profit that way.
To see insurance companies that offer some of these discounts in California, click this link.
One last note
Insureds change insurance companies for many reasons like not issuing a premium refund, extreme rates for teen drivers, delays in paying claims or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.
Budget-friendly auto insurance in Pacifica is available both online and from local agencies, so you should compare both to have the best selection. Some auto insurance companies may not provide the ability to get quotes online and usually these small, regional companies sell through independent agents.
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price, but don't skip important coverages to save money.
For more information, take a look at the resources below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Auto Insurance is Cheapest for Police Officers in California? (FAQ)
- How Much are Car Insurance Quotes for a Honda CR-V in California? (FAQ)
- What Auto Insurance is Cheapest in Garden Grove, California? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Nissan Rogue in California? (FAQ)
- Who Has the Cheapest California Car Insurance for Real Estate Agents? (FAQ)
- Who Has Affordable California Car Insurance Rates for Drivers Over Age 60? (FAQ)
- How Much are Car Insurance Quotes for Drivers with a Bad Driving Record in California? (FAQ)
- Who Has Cheap California Auto Insurance Quotes for Government Employees? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in California? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Collision Coverage (Liberty Mutual)