How long has it been since the last time you looked for more affordable auto insurance rates in San Leandro, CA? Are you a victim of an overpriced auto insurance policy? You're preaching to the choir because there are many San Leandro drivers thinking the same thing.

A recent survey discovered that almost 70% of insureds kept their policy with the same company for over three years, and almost half have never shopped around. Consumers in California could save nearly 35% each year by just comparing rate quotes, but they just don't understand the amount of money they would save if they swap their current policy for a cheaper one. Due to the fact that there are so many options, it can be challenging to locate the lowest cost insurance company.

The providers in the list below are our best choices to provide free quotes in California. To buy cheap car insurance in California, it's a good idea that you click on several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in San Leandro
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,164 $582 $97
Chevrolet Malibu LS $1,216 $608 $101
Chevrolet Silverado LTZ Crew Cab 4WD $1,260 $630 $105
Dodge Ram Quad Cab Laramie 2WD $1,566 $783 $131
Ford Edge Limited 2WD $1,536 $768 $128
Ford Escape XLT 2WD $982 $491 $82
Ford F-150 XLT Regular Cab 4WD $1,260 $630 $105
Ford Focus SEL 4-Dr Sedan $1,562 $781 $130
Honda Accord LX-P 4-Dr Sedan $1,290 $645 $108
Honda CR-V EX-L 2WD $1,052 $526 $88
Honda Civic EX-L 4-Dr Sedan $1,738 $869 $145
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,382 $691 $115
Nissan Altima 2.5 S 4-Dr Sedan $1,854 $927 $155
Toyota Camry XLE $1,840 $920 $153
Toyota Corolla XLE $1,790 $895 $149
Toyota Prius $1,304 $652 $109
Toyota Tacoma Double Cab 4WD $1,526 $763 $127
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in San Leandro location which can affect insurance rates substantially.

Choosing deductibles

One common question asked by San Leandro drivers is how high should your deductibles be. The tables below determine the differences in price between high and low physical damage coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $298 $472 $376 $22 $112 $1,305 $109
Elantra Blue 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Elantra GLS 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE Touring Station Wagon $342 $576 $376 $22 $112 $1,453 $121
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Hyundai Elantra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $184 $298 $376 $22 $112 $992 $83
Elantra Blue 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Elantra GLS 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Elantra SE 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Elantra SE Touring Station Wagon $210 $362 $376 $22 $112 $1,082 $90
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in your specific San Leandro location which can influence rates significantly.

Based on these figures, using a $250 deductible would cost the average driver about $31 more each month or $372 annually than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claims, you would probably come out ahead by going with a higher deductible.

Car insurance cost for men versus women

The example below compares insurance costs for male and female drivers in San Leandro. The prices are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration on a Toyota Corolla LE.

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

Get cheaper auto insurance with discounts

Some insurance providers don't list every disount available very clearly, so the next list breaks down a few of the more common in addition to some of the lesser obvious auto insurance savings.Cheaper auto insurance with discounts

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Despite the fact that it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

Insurance companies that have many of the previously listed discounts include:

Double check with every prospective company which discounts you qualify for. Savings may not be offered in every state. For a list of auto insurance companies with the best auto insurance discounts in California, click here.

Protect more than your vehicle

Despite the potentially high cost of insurance, maintaining insurance serves an important purpose.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. But the average driver in California overpays as much as $820 a year so compare quotes from several companies at every renewal to be sure current rates are still competitive.

Insurance can be complex

Always remember that when buying insurance from an agent or online for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else's.Insurance savings

For instance, these questions might point out whether or not you might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Car insurance is available from agents near you

A small number of people still prefer to sit down with an agent and that is not a bad decision Insurance agents can answer important questions and help you file claims. A nice benefit of comparing car insurance online is you can get the best rates and still have an agent to talk to.

Once you complete this simple form, your information gets sent to local insurance agents who will gladly provide quotes for your car insurance coverage. You won't need to contact any insurance agencies because quoted prices will be sent to you instantly. If you need to compare prices from a specific company, you would need to search and find their rate quote page and give them your coverage information.

Choosing a provider needs to be determined by more than just the quoted price. Any good agent in San Leandro should know the answers to these questions.

Compare rates from both independent and exclusive auto insurance agents

When narrowing the list to find a local San Leandro insurance agency, you must know there are a couple different types of agencies to choose from. Insurance agencies in San Leandro can either be independent or exclusive. Both can insure your vehicles properly, but it's a good idea to understand the difference between them since it can affect buying decisions.

Exclusive Car Insurance Agents

Exclusive insurance agents are contracted to one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to compare other company's rates so they really need to provide good service. Exclusive agencies are usually well trained on their company's products which helps offset the inability to provide other markets.

Independent Car Insurance Agents

These type of agents do not work for one specific company so they have the ability to put coverage through lots of different companies and possibly get better coverage at lower prices. If they find a lower price, your agent can just switch to a different company and you don't have to find a new agent.

When comparing car insurance prices, it's recommended you get quotes from several independent insurance agents in order to compare the most rates.