Getting affordable quotes on the web may seem to be intimidating for drivers not familiar with shopping for insurance on the internet. With dozens of online companies, how are drivers able to efficiently compare every possible option in order to find the cheapest available price?
A study showed that nearly 70% of consumers renewed their policy with the same company for at least four years, and just under half have never compared rates from other carriers. Many consumers in California could save nearly $469 each year by just comparing quotes, but they underestimate the big savings they would realize if they switched to a more affordable policy.
It's smart to quote other rates as often as possible because auto insurance prices are rarely the same from one policy term to another. If you had the lowest price on auto insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because you're about to find out the best methods to buy cheaper auto insurance.
Low-cost companies for Coachella car insurance
The car insurance companies shown below have been selected to offer quotes in Coachella, CA. To get cheap car insurance in California, we recommend you compare several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS AWD||$1,532||$766||$128|
|Chevrolet Impala LT||$1,342||$671||$112|
|Chevrolet Silverado LT Extended Cab 2WD||$1,252||$626||$104|
|Dodge Grand Caravan SE||$1,084||$542||$90|
|Dodge Ram Crew Cab Sport 4WD||$1,566||$783||$131|
|Ford Escape XLS 4WD||$1,602||$801||$134|
|Ford F-150 XLT Regular Cab 4WD||$1,438||$719||$120|
|Ford Focus SE 4-Dr Sedan||$1,298||$649||$108|
|GMC Sierra SL Crew Cab 2WD||$1,598||$799||$133|
|Honda Accord EX 2-Dr Coupe||$1,504||$752||$125|
|Honda CR-V EX-L 2WD||$1,268||$634||$106|
|Honda Civic Hybrid 4-Dr Sedan||$1,102||$551||$92|
|Honda Odyssey EX||$1,264||$632||$105|
|Hyundai Sonata GLS 4-Dr Sedan||$1,320||$660||$110|
|Jeep Grand Cherokee Limited 4WD||$1,102||$551||$92|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,850||$925||$154|
|Toyota Camry LE||$1,048||$524||$87|
|Toyota Corolla LE||$1,418||$709||$118|
|Toyota RAV4 Sport 2WD||$1,458||$729||$122|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,260||$630||$105|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can alter price quotes substantially.
Irresponsible driving raises your rates
The information below illustrates how speeding tickets and at-fault accidents impact Chevrolet Silverado insurance premiums for different ages of insureds. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Comparison of policy deductibles
When buying auto insurance, a common question is what deductibles to buy. The rates below determine the cost difference between low and high comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
Kia Optima 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|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific garaging location which can alter coverage prices noticeably.
Based on the above data, using a $250 deductible would cost the average driver about $34 more each month or $408 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 22 months between claim filings, you would probably save some money if you choose a higher deductible.
How to determine when to raise deductibles
|Average monthly premium for $250 deductibles:||$143|
|Average monthly premium for $1,000 deductibles (subtract):||- $109|
|Monthly savings from raising deductible:||$34|
|Difference between deductibles ($1,000 - $250):||$750|
|Divide difference by monthly savings:||$750 / $34|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||22 months|
One big caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. That will require some non-essential savings in the event you have to pay the deductible to have repairs made.
Coachella insurance premiums for males versus females
The information below illustrates the comparison of car insurance rates for male and female drivers in Coachella. The premiums are based on no claims, a clean driving record, comp and collision included, $500 deductibles, drivers are single, and no discounts are applied on a Nissan Sentra 2.0 SL.
Nissan Sentra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Learn how to get insurance more affordably
A large part of saving on insurance is knowing some of the elements that help determine your insurance rates. When you understand what determines premiums, this enables informed choices that could help you find cheaper rates. Lots of factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are not as apparent such as your marital status or your vehicle rating.
Teenage vs. older drivers - Mature drivers are proven to be safer behind the wheel, file fewer claims, and are generally more financially stable.Teenage drivers are proven to be careless and easily distracted when driving with friends so they pay higher insurance rates.
How much liability insurance do you need? - The liability section of your policy kicks in in the event that you are ruled to be at fault for causing personal injury or damage in an accident. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Cheaper prices using GPS tracking and theft deterrents - Purchasing a vehicle with advanced anti-theft systems can help bring down rates. Systems that thwart theives like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Rental and towing coverage may not be needed - Insurance policies have a lot of additional coverages that sound like a good idea at the time on your insurance policy. Coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea initially, but if you've never needed them in the past think about removing them and cutting costs.
Better premiums on safer vehicles - Vehicles that have high safety ratings tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you.
Get discounts to get affordable Coachella insurance rates
Insuring your vehicles can cost a lot, but there are discounts available that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings.
- Save with More Vehicles Insured - Drivers who insure several vehicles with the same insurance company could earn a price break for each car.
- Seat Belts Save - Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off PIP or medical payments premium.
- Discount for Good Grades - This discount may save you up to 25%. You can use this discount normally well after school through age 25.
- Onboard Data Collection - People who choose to allow driving data submission to track where and when they drive by using a telematics device in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease if their driving habits are good.
- Club Memberships - Participating in qualifying employment or professional organizations could earn you a nice discount on insurance.
- Anti-theft System - Cars optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Student in College - Older children who are enrolled in higher education away from home and won't have access to an insured vehicle could qualify for this discount.
- Discounts for New Vehicles - Insuring a new car can save you some money because newer vehicles are generally safer.
- E-sign - Many larger companies provide a small discount for signing up over the internet.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
A list of companies and some of the premium reductions they offer include:
- Progressive policyholders can earn discounts including continuous coverage, online signing, homeowner, online quote discount, good student, and multi-policy.
- SAFECO offers discounts for accident prevention training, teen safety rewards, homeowner, anti-theft, bundle discounts, drive less, and anti-lock brakes.
- American Family discounts include multi-vehicle, Steer into Savings, good driver, bundled insurance, defensive driver, and accident-free.
- MetLife may include discounts for multi-policy, good driver, defensive driver, claim-free, and accident-free.
- GEICO may offer discounts for driver training, anti-theft, defensive driver, good student, and multi-policy.
- The Hartford has discounts for anti-theft, air bag, good student, driver training, defensive driver, bundle, and vehicle fuel type.
Before purchasing a policy, check with all the companies how you can save money. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view insurance companies that offer discounts in Coachella, click this link.
Auto insurance savings promises
Well-known auto insurance companies like State Farm, Allstate and GEICO endlessly run ads in print and on television. All the ads convey the message that drivers will save a bundle if you move to their company. But how can every company say the same thing?
Insurance companies give the cheapest rates for a prospective insured that will generate a profit. One example of a desirable risk could be between 25 and 40, has a low-risk occupation, and does not commute to work. A customer getting a price quote who meets those qualifications will most likely get cheap premium rates and therefore will cut their rates substantially.
Potential insureds who cannot meet these stringent criteria may receive a more expensive rate which leads to the customer not purchasing. The ad wording is "drivers that switch" not "everyone who quotes" can get the lowest rates when switching. That's why insurance companies can make it sound like they have such great rates. Because each company has a different risk profile, you should compare rate quotes every year. Because you cannot predict which auto insurance company will provide you with the cheapest auto insurance in Coachella.
Quote often and quote early
A few companies do not offer online quoting and usually these smaller providers only sell coverage through independent insurance agencies. More affordable car insurance in Coachella is available online in addition to many Coachella insurance agents, so you should compare both to have the best rate selection.
As you quote Coachella car insurance, make sure you don't buy poor coverage just to save money. Too many times, drivers have reduced full coverage and found out when filing a claim they didn't have enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.
In this article, we presented some good ideas how you can shop for car insurance online. It's most important to understand that the more companies you get prices for, the better likelihood of getting cheap Coachella car insurance quotes. You may even discover the best price on car insurance is with a small local company.
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