Have you finally had enough of scraping the payment together to pay insurance each month? Your situation is no different than most other consumers in California.

Unfortunately, over 70% of drivers have stayed with the same insurance company for at least four years, and practically 40% of insurance customers have never compared rates with other companies. Many consumers in California can save nearly 35% each year just by shopping around, but they just feel it's too hard to do a rate comparison.

Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the cheapest price on insurance.

If you currently have a car insurance policy, you will be able to find the best rates using the techniques covered below. Locating the best rates in Albany can initially seem challenging. Although California drivers should learn how insurance companies determine prices and use this information to your advantage.

Just remember that making a lot of price comparisons will improve the odds of getting a better price. Some smaller insurers do not give online price quotes, so you also need to get price estimates from the smaller companies as well.

The companies in the list below can provide quotes in Albany, CA. In order to find cheap auto insurance in California, it's a good idea that you click on several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Albany
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,256 $628 $105
Chevrolet Malibu LTZ $1,490 $745 $124
Chevrolet Silverado LS Extended Cab 4WD $1,722 $861 $144
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,342 $671 $112
Ford Escape XLS 4WD $1,128 $564 $94
Ford F-150 XLT Regular Cab 2WD $1,080 $540 $90
Ford Focus SES 4-Dr Sedan $1,374 $687 $115
Honda Accord EX 4-Dr Sedan $986 $493 $82
Honda CR-V EX 4WD $990 $495 $83
Honda Civic DX 2-Dr Coupe $1,372 $686 $114
Nissan Altima 3.5 SR 4-Dr Sedan $1,226 $613 $102
Nissan Rogue S AWD $1,626 $813 $136
Toyota Camry SE $1,372 $686 $114
Toyota Corolla XRS $1,264 $632 $105
Volkswagen Jetta S 4-Dr Sedan $1,348 $674 $112
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Information does not factor in specific location which can decrease or increase rates significantly.

Car insurance deductibles

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below outline how much more rates are between high and low deductibles. The first table uses a $250 deductible and the second set of rates uses a $500 deductible.

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

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can raise or lower coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 a year than opting for the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 16 months between claim filings, you would more than likely save some money if you decide on a higher deductible. The numbers below show an example of how we made this calculation.

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $106
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important sidenote is that a higher deductible level results in more money out-of-pocket at claim time. You need some savings in the event you need to pay the higher deductible in order to repair your vehicle.

Policy deductible comparison

The illustration below highlights how deductible selection and can affect Chevrolet Silverado insurance rates for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparison of car insurance rates by gender and age in Albany

The chart below shows the comparison of insurance rates for male and female drivers in Albany. The data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in on a Toyota Corolla S.

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

Save money with these discounts

Car insurance companies do not advertise all their discounts in a way that's easy to find, so the next list breaks down a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Albany car insurance online. If you don't get every credit possible, you could be getting lower rates.Save money with discounts

You should keep in mind that most credits do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because you may think you could get a free insurance policy, you're out of luck.

For a list of insurers with the best discounts in Albany, click this link.

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Albany, paying for car insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car more than offset the price you pay, especially with large liability claims. But the average driver in California is overpaying more than $855 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Compare prices but buy from a local Albany insurance agency

Some consumers just prefer to talk to a local agent and that can be a smart move A nice benefit of comparing rates online is the fact that you can find cheaper rates but also keep your business local. Buying from local insurance agencies is still important in Albany.

Find insurance agent in AlbanyUpon completion of this form (opens in new window), your insurance data is sent to agents in your area who will give you bids for your insurance coverage. You won't even need to drive around because prices are sent to the email address you provide. You can find the lowest rates AND a local agent. If you want to get a price quote from one company in particular, you can always navigate to their website to submit a rate quote request.

When narrowing the list to find a reliable insurance agent, you need to know there are two types of agencies and how they can write your policy. Agents in Albany can be classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies

Agents in the independent channel often have affiliation with several companies and that gives them the ability to insure through many different insurance companies and help determine which has the cheapest rates. If prices rise, they simply switch companies in-house and you can keep the same agent. When comparing insurance prices, you should always get several quotes from at a minimum one independent agency for the best price selection.

Exclusive Insurance Agencies

Exclusive agents can only write with one company like American Family, State Farm, and AAA. They are unable to compare rates from other companies so they are skilled at selling on more than just price. They are well schooled on their company's products which aids in selling service over price.

Choosing an insurance agency should depend on more than just a cheap quote. These are some questions you should get answers to.

If you get good answers to these questions and locked in a price quote, it's possible that you found a car insurance agent that is a good match to properly insure your vehicles.

Best and worst vehicle claim statistics

Are you driving a statistically high-claim vehicle? The next tables show the best and worst vehicle makes and models for likelihood of filing claims orgainized by coverage.

Lowest and Highest Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Subaru Outback Chevrolet Impala
Audi A6 Kia Rio
Mercedes-Benz SL Class Mitsubishi Mirage
Subaru Forester Kia Optima
Volvo XC60 Chrysler 200
Chevrolet Corvette Dodge Charger

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

Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Nissan Leaf Maserati Quattroporte
Nissan Xterra Bentley Continental GT
Infiniti QX50 Mercedes-Benz S Class
Chevy Silverado 2500 BMW M6
Volvo V60 Porsche Panamera GTS
Chevy Spark Maserati Granturismo

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

Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Nissan GT-R
Ford Edge Bently Continental GT
Smart ForTwo BMW M6
Ford F-250 SuperCab Bentley Continental Flying Spur
Chevrolet Colorado Bently Continental GTC
GMC Canyon Maserati Granturismo

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

Lowest and Highest Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Kia Forte
Land Rover Range Rover Sport Mitsubishi Lancer
Ford F-250 SuperCrew Nissan Sentra
Ford F-350 SuperCrew Nissan Versa
Tesla Model S Dodge Charger
Chevrolet Silverado 2500 Chevrolet Sonic

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