Comparing and finding cheap rates for car insurance can seem to be hard for drivers not familiar with buying insurance online. Consumers have so many options that it can turn into a burden to compare rates on car insurance.

Unbelievable but true according to a study nearly 70% of drivers have been with the same company for more than four years, and 38% of drivers have never even compared rates from other companies. Many consumers in California could save about $470 each year, but they feel it's too difficult to shop around.

If you have a current car insurance policy, you should be able to save money using these tips. Finding the most affordable policy in Pacific Grove is not as difficult as people think. But California vehicle owners must learn the methods companies use to determine what you pay and use it to your advantage.

The are a couple different ways to obtain and compare prices from companies that offer car insurance in California. The easiest way by far to do a complete rate comparison is to get quotes online.

When price shopping your coverage, comparing more prices helps improve the odds of finding the best offered rates. Not every company allows you to get quotes over the internet, so you should also compare rates on coverage from those companies, too.

The companies shown below provide free quotes in Pacific Grove, CA. If you want to find cheap car insurance in California, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Pacific Grove
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,216 $608 $101
Chevrolet Silverado LT Extended Cab 2WD $1,238 $619 $103
Dodge Grand Caravan CV $1,462 $731 $122
Dodge Ram Crew Cab Laramie 2WD $1,332 $666 $111
Ford Escape XLT 2WD $1,324 $662 $110
Ford F-150 XL Super Cab 2WD $952 $476 $79
Ford Focus SEL 4-Dr Sedan $1,562 $781 $130
GMC Sierra SL Extended Cab 2WD $1,566 $783 $131
Honda Accord LX 4-Dr Sedan $1,094 $547 $91
Honda CR-V LX 2WD $1,290 $645 $108
Honda Civic EX 2-Dr Coupe $2,152 $1,076 $179
Honda Odyssey LX $1,322 $661 $110
Hyundai Elantra SE 4-Dr Sedan $1,620 $810 $135
Kia Optima SX $1,600 $800 $133
Nissan Altima 3.5 SR 2-Dr Coupe $2,096 $1,048 $175
Toyota Camry LE $1,048 $524 $87
Toyota Corolla XLE $1,202 $601 $100
Toyota RAV4 Limited 4WD $1,518 $759 $127
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can revise premium rates substantially.

Drive responsibly or pay higher rates

The illustration below illustrates how violations and at-fault claims drive up Dodge Ram car insurance costs for different age groups of insureds. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Physical damage deductible comparison

The information below illustrates how your deductible choice and can impact Honda Civic yearly insurance costs for each age group. The premium estimates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

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

Rate comparison for different deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The tables below can help illustrate the costs and benefits when you buy lower versus higher coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price grid 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 premium 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
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Nissan Sentra insurance premium 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
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in vehicle location which can affect insurance rates significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claims, you would more than likely save some money if you decide on a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $102
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Situations that may require an agent's advice

When quoting and comparing insurance from an agent or online, there is no "perfect" insurance plan. Everyone's needs are different so this has to be addressed.Auto insurance savings For instance, these questions may help you determine whether you could use an agent's help.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance agent or online?

Certain consumers still prefer to sit down with an agent and often times that is recommended One of the benefits of comparing car insurance online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

To help locate an agent, after submitting this simple form, your coverage information gets sent to agents in your area who will gladly provide quotes for your coverage. It's much easier because you don't need to leave your house as quotes are delivered instantly to you. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a specific car insurance provider, feel free to jump over to their website to submit a rate quote request.

Choosing the best insurance company is decision based upon more than just the premium amount. These are some questions your agent should answer.

When researching an insurance agent, you must know there are a couple different types of agencies and how they can write your policy. Agents can be described as either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agencies

These agents can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are trained well on their company's products which helps overcome the inability to quote other rates. Consumers often purchase coverage from exclusives mostly because of the brand legacy and strong financial ratings.

Independent Agencies or Brokers

These type of agents do not have single company limitations so they can insure your vehicles through many companies and get you the best rates possible. To transfer your coverage to a different company, the agent simply finds a different carrier and you don't have to do anything.

When shopping rates, we recommend you include rate quotes from at least one independent agent to have the best price comparison. They often place coverage with lesser-known insurance companies which can save you money.

Once you have received acceptable answers to any questions you have and an acceptable price quote, you have narrowed it down to an insurance agent that is professional and can insure your vehicles. But keep in mind it's your policy and you can cancel coverage at any point so never assume that you are obligated to the car insurance policy for any length of time.