Would you like an easy way to compare low-cost auto insurance rates in Bell, CA? Cutting costs on auto insurance might be slightly frustrating for drivers who have little experience buying insurance online. With so many agents and companies, it can easily become a real challenge to find the lowest price on auto insurance.

Astonishing but true, over 70% of California drivers have remained with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never shopped around. American insurance shoppers could save almost $850 a year, but they don't know how much savings they would realize if they replace their high priced policy.

Consumers should take time to compare premium rates every six months because auto insurance prices are constantly changing. Even if you think you had the best price on auto insurance at your last renewal the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out the best way to save money, get proper deductibles and limits, all at the lowest rate.

When quoting insurance, remember that more quotes helps locate the best rates.

The providers in the list below offer price quotes in California. If you want to find cheap auto insurance in California, we suggest you click on several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Bell
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $982 $491 $82
Chevrolet Silverado LTZ Crew Cab 2WD $1,176 $588 $98
Dodge Ram Quad Cab SLT 2WD $1,490 $745 $124
Ford Escape XLT 2WD $1,324 $662 $110
Ford Explorer Eddie Bauer 2WD $1,484 $742 $124
Ford F-150 Lariat King Ranch 4WD $1,690 $845 $141
Ford Focus SEL 4-Dr Sedan $1,204 $602 $100
Honda Accord EX 2-Dr Coupe $1,388 $694 $116
Honda CR-V EX-L 2WD $1,126 $563 $94
Honda Civic LX 2-Dr Coupe $1,510 $755 $126
Hyundai Sonata GLS 4-Dr Sedan $1,794 $897 $150
Nissan Altima 2.5 S 2-Dr Coupe $1,744 $872 $145
Toyota Camry XLE $1,568 $784 $131
Toyota Corolla XRS $1,690 $845 $141
Toyota Tacoma X-Runner 2WD $1,422 $711 $119
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific Bell garaging location which can influence rates noticeably.

Higher deductibles save money

The illustration below demonstrates how choosing different deductibles and can increase or decrease Ford F-150 yearly insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

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

Physical damage deductible comparison

The hardest decision when buying coverage is how high should your deductibles be. The data tables below sum up the price difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $342 $576 $500 $30 $150 $1,623 $135
Optima EX $386 $678 $500 $30 $150 $1,769 $147
Optima SX $386 $678 $500 $30 $150 $1,769 $147
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Kia Optima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $278 $464 $500 $30 $150 $1,422 $119
Optima EX $314 $546 $500 $30 $150 $1,540 $128
Optima SX $314 $546 $500 $30 $150 $1,540 $128
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can impact rates significantly.

We can estimate from the data above that using a $250 deductible costs approximately $18 more each month or $216 a year than selecting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 14 months between claim filings, you would save money if you choose the higher deductible.

Verify you're receiving every discount

Companies don't always list every discount they offer in an easy-to-find place, so the list below details both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Bell car insurance online. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.Discount insurance

While discounts sound great, it's important to understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you aren't that lucky. But any discount will help reduce your insurance premiums.

If you would like to choose from a list of insurance companies offering insurance discounts in Bell, click here.

Why do I need car insurance?

Despite the high cost, insurance may not be optional for several reasons.

First, almost all states have minimum liability requirements which means state laws require a minimum amount of liability insurance if you drive a vehicle. 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.

Second, if you bought your vehicle with a loan, almost all lenders will have a requirement that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your vehicle at a significantly higher premium and require you to fork over the higher price.

Third, insurance protects not only your vehicle but also your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $700 annually so you should quote rates at least once a year to make sure the price is not too high.

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing the best car insurance coverage, there really is no best way to insure your cars. Every situation is different and your car insurance should unique, too.Drive safe and save These are some specific questions might help in determining whether your personal situation could use an agent's help.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies.