Cutting costs on car insurance may be quite difficult for beginners to online price comparisons. There are so many agents and companies to choose from that it can quickly become hard work to find better prices on car insurance.

Unimaginable but true, over 70% of drivers have bought car insurance from the same company for a minimum of four years, and nearly the majority have never shopped around. California consumers could save themselves $470 a year, but they underestimate the actual amount they would save if they switched to a more affordable policy.

Most major insurance companies make it easy to get price estimates on their websites. Comparing car insurance rates online doesn't take much effort as you just type in the coverages you want into the quote form. When the form is submitted, the company's rating system collects information on your driving record and credit history and gives you a price quote determined by many factors.

Using the web to get rate quotes makes comparing rates easy, and it's very important to do this in order to find a lower rate.

If you want to compare rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend you replicate your coverages as shown on your current policy. This guarantees you're receiving rate quotes using the same coverage and limits.

The auto insurance companies shown below offer free rate quotes in Riverside, CA. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Riverside
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,042 $521 $87
Chevrolet Impala LS $1,536 $768 $128
Chevrolet Silverado LTZ Extended Cab 4WD $1,450 $725 $121
Dodge Grand Caravan SXT $1,562 $781 $130
Dodge Ram Quad Cab Laramie 4WD $1,682 $841 $140
Ford Escape XLT 4WD $1,524 $762 $127
Ford F-150 FX4 4WD $1,070 $535 $89
Ford Focus S 4-Dr Sedan $1,358 $679 $113
GMC Sierra SLT Crew Cab 2WD $1,690 $845 $141
Honda Accord LX-P 4-Dr Sedan $1,134 $567 $95
Honda CR-V EX 2WD $1,178 $589 $98
Honda Civic LX-S 4-Dr Sedan $1,512 $756 $126
Kia Optima EX $1,762 $881 $147
Nissan Altima 2.5 S 2-Dr Coupe $1,708 $854 $142
Toyota Camry Hybrid $1,730 $865 $144
Toyota Corolla XRS $1,460 $730 $122
Toyota RAV4 Sport 2WD $1,390 $695 $116
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific location which can affect premium rates greatly.

Insurance rates by gender

The illustration below shows the comparison of car insurance rates for male and female drivers in Riverside. The rate quotes are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in on a Honda Accord LX-S.

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

Physical damage deductibles: Should you raise them?

A question often asked by Riverside drivers is which comprehensive and collision deductibles to buy. The comparisons below may help you to understand the cost difference between high and low coverage deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

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

Honda Accord insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Honda Accord insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX-P 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord LX-P 4-Dr Sedan $184 $298 $376 $22 $112 $992 $83
Accord EX-L 4-Dr Sedan $210 $362 $376 $22 $112 $1,082 $90
Accord EX 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord LX-S 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Accord EX-L 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Get a Quote for Your Vehicle Go

Premium 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, safe-driver, and claim-free. Price information does not factor in your specific Riverside location which can decrease or increase rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $29 more each month or $348 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 26 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself when you do file a claim. You need some available funds in the event you have to pay more to get your vehicle repaired.

Car insurance discounts help lower rates

Insuring your fleet can be pricey, but you may qualify for discounts that many people don't even know exist. Many discounts should be triggered at quote time, but some need to be manually applied prior to receiving the credit.Save money with discounts

Just know that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way. Any qualifying discounts will help reduce your policy cost.

A list of car insurance companies and their possible discounts include:

If you need lower rates, check with every prospective company which discounts you qualify for. Depending on the company, some discounts might not apply in Riverside.

Get cheaper auto insurance with these tips

A large part of saving on auto insurance is knowing some of the elements that aid in calculating your policy premiums. If you understand what impacts premium levels, this allows you to make good choices that can earn you cheaper rates. Many things are used when you get a price on insurance. Some factors are common sense like your driving record, although some other factors are more transparent such as whether you are married or how safe your car is.

When should I talk to an insurance agent?

Many drivers still prefer to visit with an insurance agent and that is recommended in a lot of cases The best thing about comparing insurance prices online is that you can find lower rates and still buy from a local agent. And supporting small agencies is especially important in Riverside.

For easy comparison, once you complete this short form, the quote information is transmitted to local insurance agents in Riverside that give free quotes to get your business. You don't have to leave your computer due to the fact that quote results will go to you. You can find the lowest rates without the usual hassles of price shopping. In the event you want to get a comparison quote from one company in particular, feel free to visit that company's website and give them your coverage information.

If you need to find a good Riverside insurance agent, you need to know there are two types of insurance agents and how they can service your needs differently. Agents in Riverside can be categorized as either exclusive agents or independent agents.

Independent Auto Insurance Agencies

Agents in the independent channel are not restricted to one company and that gives them the ability to insure through lots of different companies and find the cheapest rate. If you want to switch companies, your agent can just switch to a different company which makes it simple for you.

When comparing rates, it's recommended you get several quotes from independent agents for the best price selection. Many independent agencies also insure through companies that do not advertise much which can save you money.

Shown below are independent insurance agencies in Riverside that may be able to provide price quote information.

More insurance agents

Exclusive Agents

Agents that elect to be exclusive can only provide one company's prices and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. They are usually well trained in insurance sales which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents mainly due to loyalty to the company and strong financial ratings.

Listed below are Riverside exclusive agents that are able to give price quotes.

More insurance agents

Finding the right auto insurance agent needs to be determined by more than just the bottom line cost. Any agent in Riverside should be willing to answer these questions.

How much car insurance do I need?

When buying your policy, there really is no one-size-fits-all type of policy. Your situation is unique and a cookie cutter policy won't apply.Safe vehicles cost less to insure Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance savings promises

Well-known insurance companies like Allstate, GEICO and Progressive continually stream television, radio, and online ads. All the companies tend to make the same promise that you'll save big if you change your insurance policy to them. How can each company have lower policy pricing? This is how they do it.

Insurance companies require specific criteria for the type of customer they prefer to insure. An example of a desirable insured might be described as between 30 and 50, carries full coverage, and insures a new vehicle. Anyone who fits those characteristics receives the best prices in Riverside and will probably save quite a bit of money when switching.

People who cannot meet those criteria will probably have to pay a higher premium with the end result being the customer not buying. The ads say "customers who switch" not "everybody who quotes" save that much. That's why companies can truthfully lure you into getting a quote.

Each company has different criteria, so it's extremely important to compare price quotes frequently. It's not possible to predict which insurance company will be your best fit.

Lower rates by being persistent

When getting Riverside auto insurance quotes online, never reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate.

Budget-conscious insurance can be purchased online in addition to many Riverside insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers don't offer online rate quotes and usually these smaller providers sell through independent agencies.

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