Searching for the cheapest insurance rates in Oakdale, CA? Searching for cheaper insurance for a car in California can normally be a painful process, but you can learn a few tricks to save time. There are more efficient ways to compare insurance rates so we're going to tell you the best way to quote coverages for a new or used and get the best price possible from both online companies and Oakdale agents.

Consumers need to compare rates quite often because rates change quite often. Just because you found the best rate on insurance a year ago you can probably find a lower rate today. Ignore everything you know about insurance because you're going to learn how to use online quotes to find better rates and still maintain coverage.

You may qualify for discounts

Buying insurance is not cheap, but you can get discounts that may help make it more affordable. Some trigger automatically when you get a quote, but a few need to be manually applied before you get the savings.Save money with discounts

One thing to note about discounts is that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, it just doesn't work that way. But all discounts will help lower the amount you have to pay.

The best insurance companies and their possible discounts are detailed below.

If you need the cheapest Oakdale car insurance quotes, ask all the companies what discounts are available to you. Some discounts listed above may not be offered in Oakdale. To locate companies who offer discounts in California, click this link.

Where can I get low cost Oakdale insurance?

The companies in the list below provide price quotes in California. To buy the cheapest auto insurance in California, it's highly recommended you compare several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Oakdale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $966 $483 $81
Chevrolet Silverado LS Extended Cab 2WD $1,854 $927 $155
Dodge Ram Crew Cab Laramie 2WD $1,602 $801 $134
Ford Edge Sport 2WD $1,874 $937 $156
Ford Escape XLT 2WD $1,174 $587 $98
Ford F-150 Lariat Crew Cab 4WD $1,366 $683 $114
Ford Focus SEL 4-Dr Sedan $1,832 $916 $153
Honda Accord LX-P 4-Dr Sedan $1,102 $551 $92
Honda CR-V EX 4WD $1,532 $766 $128
Honda Civic Hybrid 4-Dr Sedan $1,676 $838 $140
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,604 $802 $134
Kia Optima EX $1,306 $653 $109
Nissan Altima 3.5 SR 2-Dr Coupe $1,476 $738 $123
Nissan Rogue SL 2WD $1,794 $897 $150
Toyota Camry LE $1,752 $876 $146
Toyota Corolla LE $1,280 $640 $107
Volkswagen Jetta SE 2.5 Station Wagon $1,342 $671 $112
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in zip code location which can influence rates greatly.

Age-based car insurance rates by gender

The example below shows the comparison of auto insurance rates for male and female drivers in Oakdale. Data assumes no accidents, no driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium on a Nissan Sentra 2.

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

Can higher deductibles save money?

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The comparisons below can help show the rate difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

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

Nissan Sentra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $298 $576 $442 $26 $132 $1,499 $125
Sentra 2.0 S $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SR $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SL $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R SPEC V $342 $780 $442 $26 $132 $1,747 $146
Get a Quote for Your Vehicle Go
Nissan Sentra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $184 $362 $442 $26 $132 $1,146 $96
Sentra 2.0 S $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SR $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SL $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R SPEC V $210 $490 $442 $26 $132 $1,300 $108
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle garaging location which can change prices significantly.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claim filings, you would save more money if you opt for a higher deductible.

Where to set your deductibles

The diagram below demonstrates how deductibles and can influence Honda Civic yearly insurance costs for different ages of insureds. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.

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

You are unique and your auto insurance should be too

When buying the right insurance coverage for your vehicles, there really isn't a best way to insure your cars. Your financial needs are unique.Higher deductibles save money

For example, these questions can aid in determining if you might need professional guidance.

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

Exclusive versus independent car insurance agents

Many drivers would prefer to buy from a local agent and we recommend doing that Good insurance agents are trained to spot inefficiencies and help submit paperwork. A good thing about comparing rate quotes online is you may find the best rates and still buy from a local agent.

Find insurance agent in OakdaleTo help locate an agent, after submitting this short form, your insurance coverage information is sent to local insurance agents that can give you free Oakdale car insurance quotes for your business. You never need to search for an agent because prices are sent to your email. If for some reason you want to get a rate quote from a specific company, you would need to navigate to their website and complete a quote there.

Selecting an provider should depend on more than just a cheap price. Any agent in Oakdale should be willing to answer these questions.

If you want to buy auto insurance from an insurance agent, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Auto insurance agents can either be exclusive agents or independent agents. Both do a good job, but it's good to learn why they differ because it can factor into buying decisions.

Exclusive Agents

Agents that elect to be exclusive write business for a single company like State Farm, Allstate, and Farm Bureau. They usually cannot provide prices from multiple companies so they really need to provide good service. These agents are well trained on sales techniques and that can be a competitive advantage. Some people will only purchase coverage from exclusives partially due to the prominence of the brand rather than having low rates.

Independent Auto Insurance Agents

Agents that elect to be independent do not work for one specific company so they can quote policies through lots of different companies and find you the best rates. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured.

If you are comparing rate quotes, we highly recommend that you check rates from a couple of independent agencies to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies which can save you money.

After talking to the agent and getting good feedback for all questions you ask as well as cheaper Oakdale car insurance quotes, it's possible that you found an insurance agent that meets the requirements to insure your vehicles. But keep in mind it's your coverage and you can cancel your policy for any reason so never assume you are locked into a policy with no way out.

Vehicle claim statistics

Which vehicles have good claim ratings? The next tables show the worst and best manufacturer models for likelihood of having to file claims for each type of coverage listed.

Car Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Ferrari 458
Ford Edge BMW M6
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Audi RS7
Chevrolet Colorado Maserati Ghibli
Smart ForTwo Bentley Continental Flying Spur

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

Auto Insurance Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Maserati Granturismo
Volvo V60 BMW M6
GMC Sierra 2500 Bentley Continental GT
Nissan Leaf Bentley Continental GTC
Smart ForTwo BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class

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

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Hyndai Accent
Chevrolet Corvette Chrysler 200
Subaru Outback Kia Rio
Fiat 500 Kia Optima
Volvo XC60 Chevrolet Sonic
Acura MDX Mitsubishi Lancer

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

Medical Payment Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Nissan Sentra
Ford Expedition Mitsubishi Mirage
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 3500 Nissan Versa
Ford F-250 SuperCrew Mitsubishi Lancer
Tesla Model S Chrysler 200

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

A conclusion for your insurance search

You just read a lot of techniques to reduce insurance prices online in Oakdale. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Oakdale car insurance quotes. Consumers could even find that the lowest prices are with a smaller regional carrier.

Consumers who switch companies do it for many reasons like poor customer service, policy cancellation, lack of trust in their agent and delays in paying claims. Whatever your reason, finding a new insurance company can be easier than you think.

As you restructure your insurance plan, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

More information is available at these links: