Are you trying to find lower-priced insurance rates in Aliso Viejo, CA? Comparison shopping for low cost insurance is always a challenge for beginners to quoting and comparing prices online. There are so many agents and companies to choose from that it can be a difficult mission to find the perfect company for you.
Remarkably, a study showed that the vast majority of drivers kept their policy with the same company for a minimum of four years, and practically 40% of insurance customers have never quoted insurance rates at all. Drivers in Aliso Viejo could save themselves as much as $500 a year by just shopping around, but they don't believe how much savings they would realize if they switched to a more affordable policy.
It's smart to price shop coverage once or twice a year because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you're about to find out the right way to buy cheaper insurance.
Finding affordable auto insurance coverage in Aliso Viejo can be easy if you know a few tricks. Practically each driver who shops around for auto insurance stands a good chance to be able to reduce their rates. Although California vehicle owners do need to know how the larger insurance companies compete online because it varies considerably.
Cheapest car insurance quotes in Aliso Viejo, CA
When comparison shopping, comparing all the rates in your area helps increase your odds of locating more affordable rates. Some smaller insurers do not give rate quotes online, so you also need to get rates from those companies as well.
The companies shown below are our best choices to provide quotes in California. If your goal is to find the best cheap auto insurance in California, we suggest you visit as many as you can to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,118||$559||$93|
|Chevrolet Silverado LT Regular Cab||$1,408||$704||$117|
|Dodge Ram Quad Cab SLT 4WD||$1,860||$930||$155|
|Ford Edge SE AWD||$1,264||$632||$105|
|Ford Escape XLS 2WD||$1,290||$645||$108|
|Ford F-150 XL Regular Cab 4WD||$992||$496||$83|
|Ford Focus S 4-Dr Sedan||$1,006||$503||$84|
|Honda Accord EX-L 2-Dr Coupe||$1,486||$743||$124|
|Honda CR-V EX 4WD||$1,126||$563||$94|
|Honda Civic LX 4-Dr Sedan||$1,374||$687||$115|
|Jeep Grand Cherokee Laredo 2WD||$1,166||$583||$97|
|Mazda 3 S Grand Touring 4-Dr Sedan||$1,260||$630||$105|
|Nissan Altima 2.5 S 4-Dr Sedan||$2,022||$1,011||$169|
|Nissan Rogue SL 2WD||$1,250||$625||$104|
|Toyota Camry Hybrid||$1,730||$865||$144|
|Toyota Corolla XLE||$1,256||$628||$105|
|Toyota RAV4 Limited 2WD||$1,296||$648||$108|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in your specific Aliso Viejo location which can increase or decrease premiums greatly.
Comparison of full coverage and liability-only policies
The chart below shows the comparison of Honda Civic insurance premiums with full coverage compared to only the California minimum liability coverage. The information is based on no claims, a clean driving record, $1,000 deductibles, single female driver, and no discounts are applied.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you pay for full coverage or liability only?
There is no set rule to eliminate full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let's say your Honda Civic claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are currently paying more than $200 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are some conditions where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Accidents and violations increase rates
The diagram below demonstrates how traffic citations and at-fault fender-benders drive up Ford Focus annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
How high should deductibles be?
The hardest decision when buying coverage is where should you set your physical damage deductibles. The premium rates below can help you understand the costs and benefits when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific location which can raise or lower premiums considerably.
Based on this data, using a $100 deductible costs approximately $31 more each month or $372 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 13 months between claims, you would save money by going with a higher deductible.
These nine discounts can lower your car insurance rates
Some insurers don't necessarily list all discounts in an easy-to-find place, so below is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy Aliso Viejo auto insurance online.
- Defensive Driver Discounts - Passing a driver safety class could earn you a small percentage discount depending on where you live.
- Save over 55 - If you're over the age of 55, you may qualify for a discount up to 10%.
- Discount for Passive Restraints - Options like air bags can receive discounts up to 30%.
- Discounts for Seat Belt Usage - Requiring all passengers to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Payment Method - By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
- Discount for Life Insurance - If the company offers life insurance, you could get a break if you buy life insurance.
- Theft Deterrent - Cars and trucks with anti-theft systems are stolen less frequently and will save you 10% or more.
- No Claims - Insureds with no claims or accidents are rewarded with significantly better rates on Aliso Viejo auto insurance quote in comparison to drivers who are more careless.
- Low Mileage - Keeping the miles down may enable drivers to earn cheaper rates.
As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free car insurance policy, that's just not realistic.
To view providers that have a full spectrum of discounts in Aliso Viejo, click here.
Different people need different car insurance coverages
When buying the best car insurance coverage, there really is not a one-size-fits-all type of policy. You are unique.
For example, these questions may help you determine if you would benefit from an agent's advice.
- Do I need an umbrella policy?
- Exactly who is provided coverage by my policy?
- Can my babysitter drive my car?
- Why am I required to buy high-risk coverage?
- How do I buy GAP insurance?
- When should I have rental car coverage?
- Are my friends covered when driving my car?
If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.
Car insurance coverages explained
Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like driving through your garage door, hitting a mailbox, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as dental work, ambulance fees, doctor visits and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from getting keyed, fire damage, falling objects, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Liability auto insurance
Liability coverage protects you from damage that occurs to other's property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability insurance covers things such as medical services, medical expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy better liability coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5 in California), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
You can find affordable coverage
When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.
Insureds leave their current company for many reasons like delays in responding to claim requests, being labeled a high risk driver, policy cancellation and poor customer service. Regardless of your reason, switching insurance companies can be less work than you think.
In this article, we presented a lot of ways to save on insurance in Aliso Viejo. The most important thing to understand is the more you quote Aliso Viejo auto insurance, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.
Additional information is available on the following sites:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Affordable California Car Insurance Rates for Handicapped Drivers? (FAQ)
- Who Has Cheap California Auto Insurance Rates for Drivers with Accidents? (FAQ)
- How Much are Car Insurance Quotes for Seniors in California? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in California? (FAQ)
- Information for Teen Drivers (GEICO)
- Coverage Information (Progressive Insurance)
- Choosing an Insurance Company (Insurance Information Institute)