How many times have you told yourself to find more affordable insurance rates in Orange, CA? Are you irritated from sacrificing to make your insurance payment? You are no different than many other California drivers.
It's amazing but about 70% of customers have bought insurance from the same company for a minimum of four years, and about 40% of consumers have never shopped around. Many consumers in Orange could save up to $469 every year, but they think it's difficult to save money by comparing rate quotes. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
Five factors that affect insurance premiums
Consumers need to have an understanding of the rating factors that are used to determine your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that can earn you cheaper rates. Many things are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, but other criteria are less obvious like your continuous coverage or how safe your car is.
Get a ticket, pay higher rates - Being a careful driver has a lot to do with how much you pay for insurance. Good drivers pay less for auto insurance than bad drivers. Just one ticket can increase the cost of insurance forty percent or more. Drivers who have gotten license-revoking violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to prevent their license from being revoked.
Cheaper rates by combining - Most major companies will award discounts to people that purchase more than one policy. It's known as a multi-policy discount. If you currently are using one company, it's in your best interest to get quotes from other companies to guarantee you are still saving the most.
Liability insurance preserves assets - A critical coverage on your policy, liability insurance is the protection if you are found liable for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Where you call home can modify rates - Living in less populated areas of the country is a positive aspect when it comes to auto insurance. City drivers regularly have much more traffic and a longer drive to work. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims.
Allowing your auto insurance policy to lapse raises premiums - Not having insurance is illegal and your next policy will cost more because you let your insurance lapse. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time.
Getting a cheaper price on insurance is pretty simple and can save money. Consumers just need to take the time comparing price quotes to see which company has cheaper Orange car insurance quotes.
Getting free quotes online is quite simple, and it makes it obsolete to go to each insurance agency near you. Quoting insurance online eliminates the middleman unless you have a need for the trained advice that only an agent can give. You can, however, price shop your coverage online but have your policy serviced through an agent.
The auto insurance companies shown below are our best choices to provide free rate quotes in California. To locate cheaper car insurance in California, we suggest you visit two to three different companies in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LS Crew Cab 4WD||$1,450||$725||$121|
|Dodge Ram Quad Cab Sport 4WD||$1,388||$694||$116|
|Ford Escape XLT 4WD||$1,532||$766||$128|
|Ford Explorer Limited 2WD||$1,498||$749||$125|
|Ford F-150 XLT Regular Cab 4WD||$1,094||$547||$91|
|Ford Focus S 4-Dr Sedan||$1,536||$768||$128|
|GMC Sierra SL Crew Cab 4WD||$1,598||$799||$133|
|Honda Accord LX-P 4-Dr Sedan||$1,124||$562||$94|
|Honda CR-V EX 2WD||$1,602||$801||$134|
|Honda Civic EX-L 4-Dr Sedan||$1,296||$648||$108|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,328||$664||$111|
|Mazda 3 I Sport 4-Dr Sedan||$1,142||$571||$95|
|Nissan Altima Hybrid 4-Dr Sedan||$1,884||$942||$157|
|Nissan Rogue S 2WD||$1,320||$660||$110|
|Toyota Camry SE||$1,840||$920||$153|
|Toyota Corolla S||$1,424||$712||$119|
|Toyota RAV4 4WD||$1,538||$769||$128|
|Volkswagen Jetta SE 4-Dr Sedan||$1,592||$796||$133|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can influence insurance rates greatly.
An analysis of deductible level
The diagram below shows how choosing a deductible and can affect GMC Acadia annual premium costs for different age groups of insureds. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
The largest companies are not always cheapest
California consumers can't get away from all the ads that claim the cheapest car insurance rates from companies such as GEICO, State Farm and Progressive. They all seem to convey the message that drivers can save some big amount if you just switch your coverage.
Is it even possible that every company can make the same claim? This is the trick they use.
Most companies quote their cheapest rates for the type of driver that earns them the highest profit. For example, this type of risk profile may be a married female, has few claims, and has excellent credit. A customer who matches that profile receive the lowest rate quotes in Orange as well as save a lot of money.
People who don't qualify for those criteria will get more expensive rates with the end result being the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "all drivers who get quotes" save the amount stated. That is how companies can advertise the way they do.
Different companies use different criteria so you really need to compare many company's rates. It is impossible to predict with any certainty which company will be your best fit.
Protect your vehicle and other assets
Despite the potentially high cost of insurance, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means state laws require specific minimum amounts of liability protection 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 have a loan on your vehicle, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your vehicle for a lot more money and require you to reimburse them the higher price.
Third, insurance protects your car and your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Orange overpays as much as $820 a year so compare rates at every policy renewal to help ensure money is not being wasted.
Take advantage of every auto insurance discount
Companies don't list every possible discount in an easy-to-find place, so the below list has both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Orange car insurance online. If you check and find you aren't receiving every discount possible, you are throwing money away.
- Online Discount - A few companies will discount your bill up to fifty bucks shop Orange car insurance on the internet.
- Home Ownership Discount - Simply owning a home may earn you a small savings because it requires personal responsibility.
- Professional Organizations - Being in a professional or civic organization could trigger savings on your bill.
- Discount for Low Mileage - Low annual miles could qualify for slightly better auto insurance rates than normal.
- Senior Citizens - Mature drivers can possibly qualify for a small discount on rates.
- Lower Rates for Military - Being on active deployment in the military can result in better premium rates.
- College Student - Any of your kids who live away from home at college and do not take a car to college may qualify for this discount.
- Air Bags and Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
- No Claims - Insureds with no claims or accidents can save substantially in comparison to drivers who are more careless.
You can save money using discounts, but most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, company stockholders wouldn't be very happy.
A few companies that may offer quotes with many of the previously listed discounts are:
When comparing rates, check with every company what discounts are available to you. Depending on the company, some discounts may not apply in your state. To choose auto insurance companies that offer multiple discounts in California, click this link.
Are insurance agents of importance?
Some people just prefer to have an agent's advice and often times that is recommended Good insurance agents are very good at helping people manage risk and help submit paperwork. One of the great benefits of getting free rate quotes online is that you can obtain the lowest rates and still choose a local agent. Buying from local insurance agencies is especially important in Orange.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to participating agents in Orange that provide free Orange car insurance quotes for your business. It's much easier because you don't need to leave your computer as quotes are delivered to your email. If for some reason you want to get a price quote from one company in particular, you would need to navigate to their website and submit a quote form there.
Types of auto insurance agents
If you're trying to find a reputable agency, it can be helpful to understand the different agency structures and how they can write your policy. Agencies in Orange can be classified as either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but we need to point out why they differ because it can influence your agent selection.
Independent Agents (or Brokers)
Agents of this type are not employed by any specific company so they can write business with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, they can switch companies in-house and you can keep the same agent. When comparing auto insurance prices, you need to get some free quotes from a couple of independent agencies to have the most options to choose from.
Exclusive agents can only quote rates from one company such as State Farm, AAA, and Liberty Mutual. These agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates.
Choosing an insurance agency shouldn't rely on just the price. These are some questions you should get answers to.
- Does the company have a local claim office in Orange?
- Does the agent have professional designations like CIC, CPCU or AIC?
- By raising physical damage deductibles, how much would you save?
- Is the agent properly licensed in California?
- Will a damage claim use OEM or aftermarket replacement parts?
Once you have good answers to any questions you have as well as low cost Orange car insurance quotes, it's possible that you found an insurance agent that can be relied on to service your policy. Just remember you are entitled to cancel a policy any time you want so don't think you are locked into any specific company for the full policy term.
Your situation helps dictate your coverage
When buying your policy for your vehicles, there really isn't a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if you may require specific advice.
- Are rock-chip repairs free?
- How do I buy GAP insurance?
- Is my camper covered by my car insurance policy?
- Are all vehicle passengers covered by medical payments coverage?
- What does UM/UIM cover?
- Is water damage covered by my policy?
- Am I covered when driving someone else's vehicle?
- What does PIP insurance cover?
- What are good deductibles for a vehicle?
- How much can I save by bundling my policies?
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. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Cheaper insurance is a realistic goal
Cost effective insurance can be found online as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide the ability to get quotes online and these regional carriers work with local independent agents.
As you shop your coverage around, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
Even more information is located in these articles:
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Nissan Rogue in California? (FAQ)
- What is the Best Auto Insurance in Santa Clarita, California? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What to do at the Scene of an Accident (Insurance Information Institute)