Finding more affordable premium rates for car insurance can seem to be frustrating for people who have little experience quoting coverage prices online. With such a large number of agents and companies in the marketplace, it can turn into a lot of work to compare premium rates on car insurance.

A recent car insurance study discovered that the majority of drivers have bought car insurance from the same company for more than four years, and approximately 40% of consumers have never compared rate quotes at all. American drivers can save as much as 46.5% each year, but most tend to underestimate how much savings they would realize if they replace their high priced policy.

It is always a good idea to take a look at other company's rates occasionally because insurance prices change regularly. Even if you think you had the best rates on car insurance last year a different company probably has better rate quotes today. Ignore everything you know about car insurance because I'm going to teach you one of the easiest ways to lower your annual insurance bill.

These discounts can lower your car insurance quotes

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not know about. Some trigger automatically at the time of quoting, but some need to be inquired about before you get the savings.Save money with discounts

Don't be shocked that some credits don't apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will definitely lower your policy premiums.

Companies and some of their more popular discounts are detailed below.

If you want cheap Claremont car insurance quotes, ask all companies you are considering to give you their best rates. All car insurance discounts may not apply to policyholders in your area. If you would like to view insurance companies that offer some of these discounts in California, follow this link.

The fastest way that we advise to get rate comparisons is to know auto insurance companies participate in a system to compare their rates. To start a quote, the only thing you need to do is provide details including which vehicles you own, if you went to college, whether you are married, and your occupation. Your information is instantly provided to insurance companies and you will get price comparisons within a short period of time.

If you would like to compare rates now, click here and enter your coverage details.

The companies in the list below are our best choices to provide quotes in California. If you wish to find cheap car insurance in California, we suggest you visit two to three different companies to get the best price comparison.

Insurance Rates for Popular Vehicles in Claremont
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,758 $879 $147
Dodge Grand Caravan Crew $1,800 $900 $150
Dodge Ram Crew Cab TRX 2WD $1,514 $757 $126
Ford Escape XLS 2WD $1,174 $587 $98
Ford Explorer Limited 2WD $1,354 $677 $113
Ford F-150 XL Crew Cab 2WD $1,116 $558 $93
Ford Focus SE 2-Dr Coupe $1,670 $835 $139
Honda Accord EX 2-Dr Coupe $1,282 $641 $107
Honda CR-V LX 4WD $1,138 $569 $95
Honda Civic SI 2-Dr Coupe $1,810 $905 $151
Hyundai Elantra Blue 4-Dr Sedan $1,422 $711 $119
Jeep Grand Cherokee Limited 4WD $1,490 $745 $124
Nissan Altima 2.5 S 4-Dr Sedan $1,080 $540 $90
Toyota Camry Hybrid $1,796 $898 $150
Toyota Corolla S $1,230 $615 $103
Volkswagen Jetta 2.0T Station Wagon $1,174 $587 $98
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific Claremont garaging location which can decrease or increase premium rates greatly.

Male drivers versus female drivers

The information below illustrates the comparison of annual premium costs for male and female drivers in Claremont. The rate quotes are based on no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration on a Chevrolet Tahoe LTZ.

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

How accidents and violations affect rates

The illustration below demonstrates how traffic citations and at-fault claims can impact Toyota Camry annual premium costs for different ages of insureds. The rates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

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

Physical damage deductible comparison

One frequently asked question is how high should your deductibles be. The following tables can help you visualize the difference in cost when you buy lower versus higher policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

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

Toyota Corolla insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $342 $678 $442 $26 $132 $1,645 $137
Corolla S $342 $678 $442 $26 $132 $1,645 $137
Corolla XLE $342 $678 $442 $26 $132 $1,645 $137
Corolla XRS $386 $678 $442 $26 $132 $1,689 $141
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Toyota Corolla insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $278 $546 $442 $26 $132 $1,424 $119
Corolla S $278 $546 $442 $26 $132 $1,424 $119
Corolla XLE $278 $546 $442 $26 $132 $1,424 $119
Corolla XRS $314 $546 $442 $26 $132 $1,460 $122
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in your specific Claremont location which can impact insurance rates significantly.

Based on the data above, we can derive that using a $250 deductible costs an average of $18 more each month or $216 for a full year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 14 months between claims, you would come out ahead going with the higher deductible.

Learn how to get car insurance cheaper

Lots of factors are part of the calculation when premium rates are determined. Some are obvious such as your driving history, but other factors are not as apparent such as whether you are married or your vehicle rating.

Different people need different auto insurance coverages

Always keep in mind that when comparing coverage, there is no cookie cutter policy. Every situation is different.Auto insurance savings

Here are some questions about coverages that can help discover if you could use an agent's help.

If it's difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Protect more than your vehicle

Despite the high cost, insurance serves an important purpose.

First, the majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability protection in order to be legal. 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.

Second, if you took out a loan on your car, almost all lenders will require that you have physical damage coverage to protect their interest in the vehicle. If coverage lapses or is cancelled, the bank or lender will purchase a policy for your vehicle for a lot more money and require you to reimburse them the higher price.

Third, insurance safeguards both your vehicle and your assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the price paid, particularly when you have a large claim. An average driver in America is overpaying more than $869 every year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Cheaper car insurance rates are possible

Some insurance providers may not provide the ability to get a quote online and usually these smaller providers prefer to sell through local independent agencies. Budget-conscious car insurance can be sourced online and also from your neighborhood Claremont agents, and you need to price shop both so you have a total pricing picture.

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

In this article, we presented many ideas to reduce car insurance prices online in Claremont. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a company that doesn't do a lot of advertising.

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