Would you like to stop wasting money and find lower-priced insurance rates in Patterson, CA? Feel like you have an overpriced insurance policy? It's a common feeling and many consumers are feeling buyer's remorse and feel like there's no way out.
It's hard to fathom, but over 70% of drivers have purchased from the same company for a minimum of four years, and 38% of customers have never compared rates to find cheap insurance. Patterson drivers can save about 35% each year, but they mistakenly think it's difficult to compare rates. Big-name insurance companies like Allstate and Progressive increase brand awareness with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
The quickest way to compare rate quotes takes advantage of the fact most of the bigger providers pay for the opportunity to give rate comparisons. To get started, all you need to do is spend a couple of minutes providing details including any included safety features, how much coverage you want, if you have a valid license, and if the vehicle is leased. That rating information gets sent immediately to multiple different insurance companies and they return cost estimate instantly to find the best rate.
To compare rates for your car now, click here and enter your zip code.
The companies shown below provide price quotes in Patterson, CA. In order to find the cheapest car insurance in California, we suggest you get price quotes from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$1,396||$698||$116|
|Chevrolet Silverado LS Regular Cab 2WD||$1,162||$581||$97|
|Dodge Ram Crew Cab TRX 4WD||$1,602||$801||$134|
|Ford Edge SE AWD||$1,210||$605||$101|
|Ford Escape XLT 4WD||$1,018||$509||$85|
|Ford F-150 STX Super Cab 4WD||$1,144||$572||$95|
|Ford Focus SES 2-Dr Coupe||$1,568||$784||$131|
|GMC Sierra SLT Crew Cab 2WD||$1,664||$832||$139|
|Honda Accord LX-P 4-Dr Sedan||$1,174||$587||$98|
|Honda CR-V EX-L 2WD||$906||$453||$76|
|Honda Civic Hybrid 4-Dr Sedan||$1,252||$626||$104|
|Honda Odyssey LX||$1,722||$861||$144|
|Mazda 3 I Sport 4-Dr Sedan||$1,518||$759||$127|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,600||$800||$133|
|Toyota Camry SE||$1,482||$741||$124|
|Toyota Corolla S||$1,080||$540||$90|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,132||$566||$94|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in vehicle garaging location which can raise or lower premiums noticeably.
Analysis of deductible levels
The illustration below highlights how deductible selection and can affect Chevrolet Tahoe premium costs for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
Take advantage of every car insurance discount
Some providers don't list every possible discount very clearly, so we researched some of the more common and also the more inconspicuous credits available to bring down your rates.
- Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
- Multiple Vehicles - Buying insurance for all your vehicles with one company could earn a price break for each car.
- Senior Citizen Rates - Seniors may qualify for a small decrease in premiums.
- Resident Student - Older children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
- Smart Student Discounts - Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
Don't be shocked that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, it just doesn't work that way. But all discounts will positively reduce your policy cost.
Some of the insurance companies that may offer policyholders these money-saving discounts are:
Before you buy a policy, ask each insurance company which discounts you qualify for. Savings might not be offered on policies in Patterson. To find insurance companies with the best car insurance discounts in Patterson, click here to view.
Why you need insurance for your vehicle
Even though it can be expensive, paying for auto insurance is mandatory in California but it also protects more than you think.
- Almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability in order to drive the car legally. 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.
- If your vehicle has a lienholder, almost all lenders will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your vehicle at an extremely high rate and require you to fork over for the expensive policy.
- Auto insurance preserves not only your vehicle but also your financial assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses in the event you are sued. If your vehicle gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in Patterson overpays more than $825 a year so compare quotes from several companies at every policy renewal to ensure rates are inline.
What if I want to buy from local Patterson insurance agents?
Some people just want to buy from a licensed agent and doing that can be a smart decision Experienced insurance agents can help you build your policy and give you someone to call. One of the benefits of comparing insurance prices online is that you can find cheap car insurance rates and also buy local. And buying from local agencies is important particularly in Patterson.
To help locate an agent, after submitting this short form, the quote information is sent to local insurance agents in Patterson who will give you quotes for your car insurance coverage. There is no reason to drive around as quotes are delivered to your email. If you have a need to compare rates from one company in particular, you would need to visit that company's website and complete a quote there.
If you want a local Patterson insurance agent, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Patterson may be either independent agents or exclusive agents. Either one can sell car insurance policies, but it's a good idea to understand why they differ since it can impact your agent selection.
Independent insurance agents often have affiliation with several companies and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If you want to switch companies, they simply switch companies in-house and you don't have to do anything. If you need lower rates, you will want to contact several independent insurance agents to ensure the widest selection of prices.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only place business with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents.
Finding the right insurance agency shouldn't rely on just the quoted price. The following questions are important to ask.
- What are their preferred companies if they are an independent agency?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is there a Errors and Omissions policy in force?
- Will the company cover a rental car if your car is getting fixed?
- How much experience to they have in personal lines coverages?
- What are the financial ratings for the companies they represent?
After you get good responses to any questions you may have as well as an affordable premium quote, most likely you have located an insurance agency that meets your needs to provide car insurance coverage. Keep in mind once you purchase a policy you can cancel your policy at any time so don't feel that you're stuck with any specific company for any length of time.
Educate yourself about auto insurance coverages
Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as crashing into a building, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle's damage.
Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.
Liability car insurance
Liability insurance provides protection from injuries or damage you cause to other's property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/5 which means $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like loss of income, attorney fees, medical services and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it's cheap coverage so purchase as much as you can afford. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like surgery, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage