Are you doing reasearch to find cheaper auto insurance rates in Hemet, CA? Cutting costs on auto insurance can seem to be nearly impossible for beginners to buying insurance online. You have so many different companies and agents to choose from that it can be hard work to find the perfect company for you.

It's hard to believe, but the vast majority of consumers renewed their policy with the same company for at least the last four years, and nearly the majority have never compared quotes from other companies. California drivers could cut their rates by roughly 35% a year just by getting comparison quotes, but they don't know the large savings they would see if they switched to a more affordable policy.

The quickest method to compare rates is to realize almost all companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information like what your job is, if the vehicle is leased, if it has an anti-theft system, and coverage limits. That rating information is instantly submitted to many of the top insurers and you will receive price estimates quickly.

To get price quotes for your car now, click here and complete the form.

The companies shown below provide comparison quotes in Hemet, CA. If you want to find the best auto insurance in California, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Insurance Costs for Popular Vehicles in Hemet
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,436 $718 $120
Chevrolet Silverado LT Regular Cab 2WD $1,302 $651 $109
Dodge Ram Quad Cab SLT 2WD $1,280 $640 $107
Ford Escape XLT 2WD $1,452 $726 $121
Ford F-150 FX2 2WD $1,766 $883 $147
Ford Focus SE 2-Dr Coupe $1,498 $749 $125
Honda Accord EX 4-Dr Sedan $1,324 $662 $110
Honda CR-V EX-L 2WD $1,170 $585 $98
Honda Civic GX 4-Dr Sedan $1,158 $579 $97
Hyundai Sonata GLS 4-Dr Sedan $1,416 $708 $118
Nissan Altima 2.5 4-Dr Sedan $1,566 $783 $131
Toyota Camry XLE $1,482 $741 $124
Toyota Corolla S $1,230 $615 $103
Toyota Prius $1,656 $828 $138
Volkswagen Jetta 2.0T 4-Dr Sedan $1,258 $629 $105
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect premiums greatly.

Car insurance premiums by gender

The information below shows the comparison of insurance premiums for male and female drivers in Hemet. The data is based on no claims, a clean driving record, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in on a Kia Optima LX.

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

Full coverage or liability only

The chart below shows the comparison of Chevrolet Silverado premium costs with full phyical damage coverage and with liability coverage only. The data assumes a clean driving record, no claims, $1,000 deductibles, married male driver, and no other discounts are factored in.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

When to eliminate full coverage

There isn't a steadfast formula to stop buying physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Chevrolet Silverado settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Rate comparison for different deductibles

The diagram below illustrates how your choice of deductibles and can affect Nissan Sentra yearly insurance costs for each age group. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Protect more than your vehicle

Despite the fact that insurance is not cheap in Hemet, insuring your vehicle is required for several reasons.

The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. On average, a vehicle owner in Hemet overpays as much as $855 a year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Five discounts to earn lower Hemet car insurance rates

Auto insurance companies don't always list the complete list of policy discounts very well, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits that may apply to you. If they aren't giving you every credit possible, you may be paying too high a price.Car insurance discounts

Consumers should know that most credits do not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way.

A list of companies and a partial list of their discounts are outlined below.

If you are trying to find the cheapest Hemet auto insurance quotes, ask each company or agent how you can save money. Some discounts listed above may not apply everywhere.

When to get professional advice

When it comes to proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your car insurance should be unique as well.Drive safe and save These are some specific questions can aid in determining whether you would benefit from professional advice.

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance agents near you

A small number of people prefer to get advice from a local agent and that can be a great decision The best thing about price shopping on the web is that drivers can save money and get cheap auto insurance quotes and still buy from a local agent.

Find insurance agent in HemetOnce you complete this form (opens in new window), your insurance data is submitted to participating agents in Hemet who will give you bids to get your business. It makes it easy because there is no need to do any legwork since price quotes are sent instantly to you. You'll get the best rates without a big time investment. In the event you want to compare rates for a specific company, you just need to navigate to their website and submit a quote form there.

Deciding on an insurer needs to be determined by more than just a cheap price quote. Some important questions to ask are:

If you are searching for a reputable agency, it's important to understand the different agency structures and how they are distinctly different. Auto insurance policy providers are categorized either exclusive agents or independent agents.

Exclusive Insurance Agents

Exclusive insurance agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are trained well on sales techniques and that allows them to sell at a higher price point. Consumers sometimes use the same exclusive agent primarily because of the brand rather than having low rates.

Independent Insurance Agents

Agents in the independent channel are not employed by any specific company and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If you want to switch companies, they can switch companies in-house and the insured can keep the same agent.

If you are trying to find cheaper rates, you will definitely want to check rates from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with small mutual carriers which can be an advantage.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Liability car insurance

This coverage will cover injuries or damage you cause to other's property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability insurance covers things such as medical services, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy better liability coverage.

Auto collision coverage

Collision coverage pays for damage to your vehicle resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, sideswiping another vehicle, crashing into a ditch, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, EMT expenses, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, vandalism and damage from a tornado or hurricane. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your vehicle.

Since many California drivers have only the minimum liability required by law (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance losses by coverage

Which vehicles tend to have high claims? The claim statistics below show the highest and lowest manufacturer models for likelihood of having large claims for each type of coverage listed.

Vehicle Make and Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Lancer
Subaru Outback Mitsubishi Mirage
Audi A6 Chevrolet Sonic
Mercedes-Benz SL Class Chevrolet Cruze
Acura MDX Hyndai Accent
Subaru Forester Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Auto Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Ferrari 458
GMC Canyon Maserati Granturismo
Ford Edge Bently Continental GTC
Nissan Xterra Audi RS7
Chevrolet Colorado Bentley Continental Flying Spur
Mini Cooper Nissan GT-R

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Hyundai Accent
Tesla Model S Nissan Sentra
Chevrolet Silverado 3500 Chrysler 200
Ford Expedition Kia Forte
Land Rover Range Rover Sport Nissan Versa

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
GMC Sierra 2500 Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC
Volvo V60 Maserati Quattroporte
Infiniti QX50 BMW M6
Smart ForTwo Porsche Panamera GTS

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on cheap rates

Some insurance companies do not provide online quoting and most of the time these smaller companies prefer to sell through independent agents. Cheaper insurance in Hemet can be found both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

We just covered some good ideas how to lower your insurance premium rates in Hemet. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a small mutual company. Regional companies may have significantly lower prices on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

More information is located below: