Have you finally had enough of scraping the payment together each month for car insurance? You have the same problem as most other consumers in California.
A recent study showed that the vast majority of consumers kept their policy with the same company for well over three years, and approximately 38% of consumers have never even compared rates from other companies. With the average premium in California being $1,400, drivers can save hundreds of dollars each year just by comparing rates, but they just feel it's too hard to compare other rate quotes.
Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a provider and uncover the absolute lowest cost out there.
It's smart to compare prices at least once a year because insurance rates are variable and change quite frequently. Just because you found the lowest premium rates on car insurance two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.
If you have a policy now, you will be able to save money using the ideas you're about to read. Buying the cheapest insurance in Apple Valley is actually quite simple. But California vehicle owners must learn the methods companies use to determine how much to charge because it varies considerably.
Low-cost auto insurance in Apple Valley, CA
The companies shown below offer price comparisons in California. In order to find cheap car insurance in California, we suggest you click on several of them to get the most competitive price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LTZ||$1,406||$703||$117|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,516||$758||$126|
|Dodge Ram Crew Cab Laramie 2WD||$2,056||$1,028||$171|
|Ford Escape XLT 2WD||$1,324||$662||$110|
|Ford F-150 XL Super Cab 2WD||$1,362||$681||$114|
|Ford Focus S 4-Dr Sedan||$1,292||$646||$108|
|Honda Accord EX-L 4-Dr Sedan||$1,114||$557||$93|
|Honda CR-V LX 4WD||$1,324||$662||$110|
|Honda Civic LX 2-Dr Coupe||$1,612||$806||$134|
|Hyundai Elantra GLS Touring Station Wagon||$1,260||$630||$105|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,220||$610||$102|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,884||$942||$157|
|Toyota Camry LE||$1,488||$744||$124|
|Toyota Corolla S||$1,236||$618||$103|
|Get Your Own Custom Quote Go|
Prices above based on 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, multi-vehicle, and homeowner. Price information does not factor in zip code location which can impact insurance rates significantly.
Rate difference between full and liability-only coverage
The information below examines Ford F-150 insurance prices when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no discounts are applied.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying physical damage coverage
There is no clear-cut rule to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let's assume your Ford F-150 replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after you pay the deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where eliminating full coverage is not a good idea. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Apple Valley insurance premiums by gender and age
The illustration below compares auto insurance costs for male and female drivers in Apple Valley. The data assumes no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in on a Ford Escape XLS.
Ford Escape rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Discounts to earn lower Apple Valley insurance rates
Car insurance can cost a lot, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of purchase, but some must be manually applied in order for you to get them.
- Discounts for New Vehicles - Buying a new car instead of a used car can save you some money because newer models have to meet stringent safety requirements.
- Driver Safety - Taking time to complete a safe driver class could possibly earn you a 5% discount and make you a better driver.
- Save with More Vehicles Insured - Purchasing coverage when you have primary and secondary vehicles on the same insurance policy can get a discount for every vehicle.
- Discount for Good Grades - Performing well in school could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
- Safety Restraint Discount - Forcing all vehicle occupants to wear their seat belts can save a little off the PIP or medical payment premium.
A quick disclaimer, many deductions do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn't be very happy. But any discount should definitely cut your overall bill.
Auto insurance companies that may have these benefits are:
When quoting, ask every prospective company what discounts are available to you. Some discounts listed above might not be offered on policies in Apple Valley.
Which is the best insurance?
When choosing the best insurance coverage, there really isn't a one size fits all plan. Your situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your situation may require specific advice.
- Will damage be repaired with OEM parts?
- Is my camper covered by my car insurance policy?
- Is my custom paint covered by insurance?
- When do I need to add a new car to my policy?
- Why am I required to get a high-risk car insurance policy?
- Does low annual mileage earn a discount?
- How many claims can I have before being cancelled?
- Do I need higher collision deductibles?
- What is medical payments coverage?
If you can't answer these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Insurance agents can give valuable advice
Some consumers still like to talk to an insurance agent and there is nothing wrong with that. A nice benefit of price shopping on the web is that drivers can save money and get lower rates but also keep your business local.
To help locate an agent, after submitting this quick form, your insurance coverage information is instantly submitted to insurance agents in Apple Valley who will give you quotes for your coverage. You never need to leave your computer as quotes are delivered instantly to you. It's the lowest rates and an insurance agent to talk to. If you need to get a comparison quote from a specific insurance provider, you would need to search and find their rate quote page and give them your coverage information.
Picking the best insurer requires more thought than just the quoted price. Any agent in Apple Valley should be forthright in answering these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company have a local claim office in Apple Valley?
- Do they specialize in personal lines coverage in Apple Valley?
- Who is covered by the car insurance policy?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they prorate repair cost based on vehicle mileage?
- Are they giving you every discount you deserve?
Upon getting good responses for all questions you ask as well as a price you're happy with, you may have found an insurance company that is reputable and can insure your vehicles. Keep in mind you are able to cancel your coverage whenever you want so don't feel that you're stuck with the insurance policy for the full policy term.
Why you might not save $428 a year
Auto insurance companies such as Allstate and Progressive constantly bombard you with television, radio, and online ads. All the ads tend to make the same promise that you'll save big if you switch your auto insurance policy to them. That's great but how can every company give you a lower rate on auto insurance? This is the trick they use.
Companies can use profiling for the driver that earns them a profit. For instance, a profitable risk profile should be a married female, has no driving citations, and has a short commute. A customer getting a price quote who fits those characteristics will probably get the lowest rates and most likely will save if they switch.
Consumers who are not a match for this stringent profile will probably be forced to pay a more expensive rate and this can result in the customer buying from a different company. Company advertisements say "drivers that switch" not "everyone who quotes" will save that much if they switch. That is how companies can truthfully make those claims. Different companies use different criteria so you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates for your situation.
Quote. Compare. Save.
When buying insurance coverage, it's not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut liability limits or collision coverage only to discover later that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.
Discount car insurance in Apple Valley can be bought both online in addition to many Apple Valley insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and many times these smaller providers provide coverage only through local independent agents.
In this article, we covered many ways to shop for car insurance online. The key thing to remember is the more you quote Apple Valley car insurance, the better your chances of lowering your premium rates. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
More information is available below:
- How do I File a Claim? (Insurance Information Institute)
- What Car Insurance is Cheapest for 4x4 Vehicles in California? (FAQ)
- Who Has the Cheapest California Car Insurance Quotes for a Chevrolet Cruze? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Forester in California? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)