Searching for the cheapest insurance for a car in California can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to compare insurance rates so we're going to tell you the absolute fastest way to price shop coverage on a and get the best price possible from both online companies and Montclair agents.

If you are insured now or just want to save money, you can use these techniques to save money without having to cut coverage. Comparing quotes for the lowest cost policy in Montclair can be fairly easy. Shoppers just have to understand the least time-consuming way to find the lowest price from multiple carriers.

The quickest method we recommend to compare car insurance rates is to realize all the major auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is give them some information such as marital status, how many miles driven, if it has an alarm system, and your general credit rating. Those rating factors is then sent to insurance companies and they return cost estimate quickly.

To check rates for your car now, click here and complete the form.

The companies in the list below offer comparison quotes in California. To locate the best cheap auto insurance in California, it's a good idea that you visit as many as you can to get the lowest price.

Insurance Estimates for Popular Vehicles in Montclair
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,048 $524 $87
Chevrolet Malibu LS $1,518 $759 $127
Chevrolet Silverado LS Regular Cab 2WD $1,510 $755 $126
Dodge Ram Crew Cab Laramie 4WD $1,872 $936 $156
Ford Escape XLS 2WD $1,482 $741 $124
Ford Explorer XLT 2WD $1,116 $558 $93
Ford F-150 XLT Super Cab 4WD $1,122 $561 $94
Ford Focus SEL 4-Dr Sedan $1,538 $769 $128
GMC Sierra SLE Regular Cab 4WD $1,460 $730 $122
Honda Accord LX 4-Dr Sedan $1,290 $645 $108
Honda CR-V EX-L 2WD $1,368 $684 $114
Honda Civic EX 4-Dr Sedan $1,576 $788 $131
Hyundai Elantra GLS 4-Dr Sedan $1,422 $711 $119
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,062 $531 $89
Nissan Altima Hybrid 4-Dr Sedan $1,648 $824 $137
Toyota Camry XLE $1,416 $708 $118
Toyota Corolla LE $1,404 $702 $117
Toyota RAV4 4WD $1,566 $783 $131
Volkswagen Jetta LE 4-Dr Sedan $1,458 $729 $122
Get Your Own Custom Quote Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in vehicle garaging location which can modify rates substantially.

Annual premiums for males versus females in Montclair

The illustration below visualizes the comparison of car insurance costs for male and female drivers in Montclair. The data is based on no claims, a clean driving record, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in on a Ford Focus S.

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

Should you buy full coverage?

The illustration below visualizes the comparison of Chevrolet Malibu yearly insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $100 deductibles, single female driver, and no discounts are applied.

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

When to switch to liability coverage only

There is no definitive formula of when to eliminate full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Chevrolet Malibu replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If premium cost is more than $800 a year for physical damage coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Your situation helps dictate your coverage

When choosing your policy for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different.Safe vehicles cost less to insure

For instance, these questions might point out whether your personal situation may require specific advice.

If you're not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Are insurance agencies used anymore?

Some consumers would rather buy from a local agent and we recommend doing that Licensed agents can help determine the best coverages and give you someone to call. One of the benefits of comparing insurance online is the fact that drivers can get the lowest rates and also buy local. And providing support for local agents is definitely important in Montclair.

Once you complete this simple form, the coverage information is immediately sent to companies in Montclair that can provide free Montclair auto insurance quotes for your insurance coverage. There is no reason to search for any insurance agencies because quoted prices will be sent to your email. If you need to quote rates from a specific company, you just need to visit that company's website and give them your coverage information.

When searching for a good insurance agency, there are a couple of different types of agents and how they work. Agencies in Montclair can be described as either independent (non-exclusive) or exclusive. Either can sell insurance policies, but it's good to learn the subtle differences because it can influence the selection process.

Independent Agents (or Brokers)

Independent agents can sell policies from many different companies so as a result can place your coverage with any number of different companies and find the cheapest insurance rates. If your premiums go up, the business is moved internally and that require little work on your part.

When comparison shopping, you will want to check rates from several independent insurance agents to have the most options to choose from. Many write coverage with small mutual carriers that many times have cheaper rates.

Exclusive Insurance Agencies

Agents of this type can only provide one company's prices and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot provide other company's prices so it's a take it or leave it situation. They are usually quite knowledgeable on sales techniques and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives mainly due to the brand and solid financial strength.

Finding the right insurance agency requires more thought than just the quoted price. Ask your prospective agent these questions:

Best and worst vehicle claim statistics

Which vehicles are likely to have claims? The statistics below outline the good and bad manufacturer models for the overall chance of filing claims for each type of coverage.

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark BMW M6
Volvo V60 Audi S7
Chevy Silverado 2500 Bentley Continental GT
Infiniti QX50 Maserati Granturismo
Ford F-350 Maserati Quattroporte
Nissan Leaf Mercedes-Benz S Class

Statistics from IIHS.org for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Kia Rio
Subaru Forester Mitsubishi Lancer
Chevrolet Corvette Chevrolet Cruze
Fiat 500 Mitsubishi Mirage
Audi A6 Chevrolet Sonic
Acura MDX Kia Optima

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Bently Continental GTC
Jeep Wrangler Bently Continental GT
Smart ForTwo Nissan GT-R
Ford F-150 SuperCrew Audi RS7
Ford Edge Maserati Ghibli
GMC Canyon Bentley Continental Flying Spur

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Nissan Sentra
Ford F-250 SuperCrew Chevrolet Spark
Ford Expedition Kia Forte
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 3500 Chrysler 200
Tesla Model S Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years