Are you intimidated by the number of auto insurance providers in your area? California drivers have so many choices that it can turn into a challenge to find the perfect company for you. San Clemente is a great place to live, but the high premiums for auto insurance can make it nearly impossible for many drivers to be able to afford adequate auto insurance coverage limits.
Shocking but true, a large majority of drivers kept their policy with the same company for four years or more, and almost 40% of drivers have never quoted auto insurance rates at all. Many drivers in California can save hundreds of dollars each year by just comparing quotes, but most tend to underestimate the benefits if they moved their coverage to a different company.
Consumers should take time to get comparison quotes periodically since insurance prices trend upward over time. If you had the best price on auto insurance six months ago there may be better deals available now. There is a lot of bad information regarding auto insurance out there, but I'm going to show you some good information on how to reduce your auto insurance bill.
Save money with these nine discounts on insurance
Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be asked for before they will apply.
- Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Service Members Pay Less - Being on active duty in the military could mean lower rates.
- Responsible Driver Discount - Insureds without accidents can save as much as half off their rates than drivers with accidents.
- Telematics Discount - Insureds that choose to allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system might see lower rates if they are good drivers.
- Theft Prevention Discount - Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
- Use Seat Belts - Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
- Distant College Student Discount - Children who are attending college and do not take a car to college could get you a discount.
- Mature Driver Discount - Drivers over the age of 55 may qualify for lower premium rates.
- Multiple Policy Discount - When you combine your auto and home insurance with one insurance company you may save as much as 10 to 15 percent.
A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn't quite work that way.
Insurance companies that may include some of the above discounts include:
When quoting, ask each company or agent which credits you are entitled to. Some credits may not apply everywhere.
Low cost San Clemente auto insurance price quotes online
When shopping for auto insurance there are multiple ways to compare rate quotes from many available auto insurance companies in California. The easiest way by far to compare rates involves getting comparison quotes online. Just keep in mind that comparing more rates from different companies helps improve the odds of finding the best price.
The car insurance companies shown below are ready to provide quotes in California. If your goal is to find cheap car insurance in California, it's highly recommended you click on several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$1,408||$704||$117|
|Chevrolet Malibu LTZ||$1,252||$626||$104|
|Chevrolet Silverado LS Crew Cab 4WD||$1,592||$796||$133|
|Dodge Ram Crew Cab ST 4WD||$1,412||$706||$118|
|Ford Edge Sport AWD||$1,416||$708||$118|
|Ford Escape XLS 4WD||$1,322||$661||$110|
|Ford F-150 XLT Regular Cab 4WD||$1,648||$824||$137|
|Ford Focus SES 2-Dr Coupe||$1,388||$694||$116|
|Honda Accord EX 4-Dr Sedan||$1,322||$661||$110|
|Honda CR-V EX 2WD||$1,042||$521||$87|
|Honda Civic SI 4-Dr Sedan||$1,484||$742||$124|
|Hyundai Sonata Limited 4-Dr Sedan||$2,178||$1,089||$182|
|Jeep Grand Cherokee Laredo 2WD||$1,752||$876||$146|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,830||$915||$153|
|Nissan Rogue S AWD||$1,238||$619||$103|
|Toyota Camry XLE||$1,230||$615||$103|
|Toyota Corolla LE||$1,664||$832||$139|
|Toyota Tacoma Double Cab 4WD||$1,322||$661||$110|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in garaging location in San Clemente which can affect coverage prices substantially.
Irresponsible driving raises your rates
The chart below illustrates how violations and at-fault collisions can affect Kia Optima car insurance rates for each age group. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
Can higher deductibles save money?
One frequently asked question is the level to set your comp and collision deductibles. The comparisons below illustrate how much more rates are between high and low physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
Ford Fusion 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|
|Fusion S 4-Dr Sedan||$380||$686||$442||$26||$132||$1,691||$141|
|Fusion SE 4-Dr Sedan||$430||$810||$442||$26||$132||$1,865||$155|
|Fusion Hybrid 4-Dr Sedan||$430||$932||$552||$32||$166||$2,137||$178|
|Fusion SEL 4-Dr Sedan||$430||$810||$442||$26||$132||$1,865||$155|
|Fusion Sport 4-Dr Sedan||$430||$810||$442||$26||$132||$1,865||$155|
|Fusion SEL AWD 4-Dr Sedan||$478||$932||$442||$26||$132||$2,035||$170|
|Fusion Sport AWD 4-Dr Sedan||$478||$932||$442||$26||$132||$2,035||$170|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$210||$362||$442||$26||$132||$1,172||$98|
|Fusion SE 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion Hybrid 4-Dr Sedan||$238||$490||$552||$32||$166||$1,478||$123|
|Fusion SEL 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion Sport 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion SEL AWD 4-Dr Sedan||$266||$490||$442||$26||$132||$1,356||$113|
|Fusion Sport AWD 4-Dr Sedan||$266||$490||$442||$26||$132||$1,356||$113|
|Get a Quote for Your Vehicle Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific San Clemente garaging location which can impact coverage rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $52 more each month or $624 each year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claim filings, you would probably be better off if you opt for a higher deductible. Here's a better example of how you can perform this determination yourself.
|Average monthly premium for $100 deductibles:||$161|
|Average monthly premium for $1,000 deductibles (subtract):||- $109|
|Monthly savings from raising deductible:||$52|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $52|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||17 months|
One important caveat is that raising deductibles results in more money out-of-pocket if you have a claim. You need a higher level of savings in the event you need to pay the deductible to have repairs made.
Insurance premiums for males and females
The chart below illustrates the difference between insurance rates for male and female drivers in San Clemente. The premiums are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are factored in on a Chevrolet Tahoe LTZ.
Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Can't I get rate quotes from local San Clemente insurance agents?
Certain consumers would rather sit down with an agent and often times that is recommended One of the great benefits of getting free rate quotes online is that drivers can save money and get the best rates and still buy from a local agent. And buying from local agents is especially important in San Clemente.
After filling out this simple form, the coverage information is submitted to local insurance agents in San Clemente who will give you quotes for your business. It simplifies rate comparisons since you won't have to contact an agency because prices are sent directly to your email. You can find lower rates AND a local agent. If you want to get a comparison quote from a specific auto insurance provider, you just need to visit that company's website and fill out the quote form the provide.
When researching a reputable agency, it helps to know the two types of insurance agents to choose from. Auto insurance agents in San Clemente can either be independent agents or exclusive agents depending on their employer.
Independent agents are not locked into one company so they can write business with lots of companies and get the cheapest rates. If they find a lower price, they simply move your policy to a different company and the insured can keep the same agent. When comparison shopping, you should always get rate quotes from multiple independent agents to ensure the widest selection of prices. Many independent agencies also insure through less well-known companies which can be an advantage.
Exclusive agencies are contracted to one company and some examples include AAA, Allstate, and State Farm. They are unable to compare rates from other companies so always compare other rates. These agents receive extensive training on sales techniques which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Choosing an auto insurance agent is decision based upon more than just the quoted price. Any agent in San Clemente should be forthright in answering these questions:
- Do they specialize in personal lines coverage in San Clemente?
- How often do they review coverages?
- Which companies can they place coverage with?
- How are they compensated?
- Will they give you a referral list?
After receiving answers to your satisfaction to any questions you have and a good coverage price, you may have just found an insurance agency that meets the requirements to provide auto insurance coverage. Just be aware that you can cancel your policy whenever you wish so never assume that you're stuck with any specific agency with no way to switch.
Choosing vehicle insurance is an important decision
Even though rates can get expensive, maintaining insurance may be mandatory for several reasons.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to be legal. 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 your vehicle has a lienholder, most lenders will force you to have insurance to guarantee loan repayment. If the policy lapses, the lender may insure your vehicle for a much higher rate and require you to pay the higher price.
- Insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver is overpaying over $750 every year so compare rate quotes every year to make sure the price is not too high.
Car insurance coverage basics
Having a good grasp of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Auto collision coverage
This covers damage to your vehicle caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as driving through your garage door, colliding with a tree, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Comprehensive car insurance
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, vandalism, a tree branch falling on your vehicle, damage from flooding and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Liability auto insurance
Liability insurance will cover damages or injuries you inflict on other people or property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as loss of income, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.
Coverage for medical expenses
Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, dental work and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your vehicle.
Due to the fact that many California drivers have only the minimum liability required by law (15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Affordable auto insurance rates are out there
A few companies may not provide rate quotes online and usually these small, regional companies provide coverage only through independent agents. The cheapest auto insurance in San Clemente is attainable both online as well as from independent agents in San Clemente, and you should compare price quotes from both in order to have the best chance of saving money.
When shopping online for auto insurance, do not reduce needed coverages to save money. Too many times, an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage for the lowest cost.
You just learned some good ideas how to lower your auto insurance car insurance rates in San Clemente. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest car insurance rates come from the least-expected company.
Additional information is located below:
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has the Cheapest California Auto Insurance Rates for a Toyota Highlander? (FAQ)
- How Much are Car Insurance Quotes for Inexperienced Drivers in California? (FAQ)
- How Much are California Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in California? (FAQ)
- What Auto Insurance is Cheapest for Welfare Recipients in California? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)