Are you trying to find lower-priced auto insurance rates in Downey, CA? Paying more affordable prices for auto insurance could be challenging for drivers who have little experience comparison shopping online. With dozens of insurers available, it can easily turn into a real hassle to compare rates in California on auto insurance.

Remarkably, a study showed that most California auto insurance customers kept buying from the same company for at least four years, and nearly half have never compared auto insurance rates at all. Many drivers in the U.S. can save nearly $859 each year by just shopping around, but most undervalue the amount of savings they would get if they switched.

How to compare insurance price quotes in Downey

When looking for inexpensive Downey car insurance quotes, there are a couple ways to compare quotes from different Downey insurance companies. The recommended way to find cheaper rates is to get quotes online.

When comparing insurance rates, know that more quotes will improve the odds of getting a lower rate than you're paying now. Not every company does online price quotes, so you also need to get price estimates from the smaller companies as well.

The car insurance companies shown below have been selected to offer price comparisons in California. If you want the best auto insurance in California, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Downey
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,722 $861 $144
Chevrolet Silverado LS Crew Cab 2WD $1,800 $900 $150
Dodge Ram Quad Cab SLT 2WD $1,412 $706 $118
Ford Edge Sport AWD $1,664 $832 $139
Ford Escape XLS 4WD $1,138 $569 $95
Ford F-150 FX2 Super Cab 2WD $1,414 $707 $118
Ford Focus SEL 4-Dr Sedan $1,608 $804 $134
Honda Accord EX 2-Dr Coupe $1,700 $850 $142
Honda CR-V EX-L 2WD $1,316 $658 $110
Honda Civic GX 4-Dr Sedan $1,722 $861 $144
Honda Odyssey Touring $1,514 $757 $126
Hyundai Elantra SE 4-Dr Sedan $1,102 $551 $92
Nissan Altima 3.5 SR 2-Dr Coupe $1,850 $925 $154
Toyota Camry LE $1,506 $753 $126
Toyota Corolla XLE $1,482 $741 $124
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can lower or raise price quotes considerably.

Careless driving habits raise Downey car insurance rates

The illustration below highlights how speeding tickets and at-fault collisions increase Chevrolet Malibu auto insurance rates for different age groups. Data assumes a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

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

Check for these price cutting discounts

Some insurance providers don't always publicize all discounts very well, so the next list breaks down both the well known and the harder-to-find credits that you can use to lower your rates.Cheaper insurance with discounts

As is typical with insurance, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, companies don't profit that way.

Large insurance companies and some of the discounts can be found below.

If you want low cost Downey car insurance quotes, ask all the companies how you can save money. Savings might not be offered in every state. To view companies that offer the discounts shown above in California, click here to view.

You have control over your car insurance costs

A large part of saving on car insurance is knowing some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that may result in lower premium levels. Many different elements are used when you quote your car insurance policy. Some are obvious such as traffic violations, but others are less apparent such as your marital status or your commute time.

The factors shown below are some of the items utilized by car insurance companies to help set your rate level.

Shop online but buy locally

Some consumers would prefer to get advice from a local agent and doing so can bring peace of mind A good thing about comparing insurance prices online is you may find lower prices and still have a local agent. And providing support for local insurance agencies is especially important in Downey.

Insurance agents in DowneyBy using this short form, your coverage information is emailed to insurance agents in Downey who will gladly provide quotes for your coverage. You never need to search for an agent due to the fact that quote results will go to you instantly. You can find the lowest rates AND an agent nearby. In the event you want to quote rates from a specific company, just search and find their rate quote page and give them your coverage information.

If you want to use a reputable insurance agent or broker, there are a couple of different types of agents and how they function. Car insurance policy providers can either be exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies or Brokers

Independent agencies are not employed by one company so as a result can place your coverage with any number of different companies and find the cheapest rate. If they find a cheaper price, they can switch companies in-house without you having to go to a different agency.

When comparing car insurance rates, we highly recommend that you include multiple independent agents to have the most options to choose from. Most also have access to additional companies that you may not be familiar with which can be an advantage.

Exclusive Insurance Agencies

Exclusive agencies can only provide pricing for a single company and some examples include Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on what they offer which helps offset the inability to provide other markets. Drivers often buy insurance from these agents mostly because of the brand legacy rather than low price.

Deciding on a auto insurance agent is decision based upon more than just the price. Before buying a policy in Downey, get answers to these questions.

After getting answers to your satisfaction to any questions you have and a low price estimate, most likely you have located a car insurance agent that is reliable enough to adequately provide car insurance.

There's no such thing as the perfect auto insurance policy

When selecting proper insurance coverage for your personal vehicles, there really isn't a one-size-fits-all type of policy. Everyone's situation is unique and a cookie cutter policy won't apply.Auto insurance savings Here are some questions about coverages that can help discover if you might need professional guidance.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Shop around and save

As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost, but don't skip important coverages to save money.

Cheaper auto insurance in Downey can be sourced both online as well as from insurance agents, so you need to shop Downey car insurance with both to have the best rate selection. Some insurance companies may not offer rates over the internet and most of the time these regional insurance providers sell through local independent agents.

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