Want to learn how to find more competitive insurance rates in Fillmore, CA? I doubt anyone loves paying for insurance, especially when they could get a better deal.

Surprisingly, a recent survey revealed that nearly 70% of customers renewed their policy with the same company for four years or more, and almost half have never even shopped around for lower-cost coverage. Fillmore consumers can save hundreds of dollars each year, but they think it's difficult to compare rates online. Many insurers compete to insure your vehicles, so it can be very hard to choose a provider to find the absolute lowest rate on insurance.

It's smart to shop coverage around before your next renewal because rates trend upward over time. Even if you got the best premium rates on insurance at your last renewal a different company probably has better prices today. Block out anything you think you know about insurance because we're going to demonstrate one of the quickest ways to find better coverage on insurance at a better price.

Shop auto insurance online

The companies shown below offer free quotes in California. To buy cheap car insurance in California, it's a good idea that you compare several of them to find the cheapest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Fillmore
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,454 $727 $121
Chevrolet Malibu LS $1,334 $667 $111
Chevrolet Silverado LTZ Crew Cab 4WD $1,124 $562 $94
Dodge Grand Caravan SE $1,154 $577 $96
Dodge Ram Crew Cab SLT 2WD $1,660 $830 $138
Ford Escape XLS 2WD $1,452 $726 $121
Ford Explorer Limited 2WD $1,378 $689 $115
Ford F-150 Lariat Crew Cab Platinum 2WD $1,486 $743 $124
Ford Focus SEL 4-Dr Sedan $1,974 $987 $165
Honda Accord LX-S 2-Dr Coupe $1,896 $948 $158
Honda CR-V EX-L 2WD $1,016 $508 $85
Honda Civic SI 2-Dr Coupe $2,088 $1,044 $174
Hyundai Sonata SE 4-Dr Sedan $1,486 $743 $124
Jeep Grand Cherokee Limited 2WD $1,436 $718 $120
Kia Optima EX $1,518 $759 $127
Nissan Altima 3.5 SR 2-Dr Coupe $1,366 $683 $114
Toyota Camry SE $1,672 $836 $139
Toyota Corolla XLE $1,202 $601 $100
Toyota RAV4 Sport 4WD $1,722 $861 $144
Volkswagen Jetta S 4-Dr Sedan $1,518 $759 $127
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in specific garaging location which can raise or lower premiums greatly.

Violations and accidents raise rates

The illustration below shows how traffic citations and at-fault collisions raise Honda Civic premium costs for different age groups of insureds. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Six discounts for lower Fillmore insurance rates

Insurance is expensive, but you might already qualify for some discounts to help offset the cost. Some of these discounts will be visible when you complete an application, but a few need to be specifically requested prior to receiving the credit.Insurance discounts

As a sidenote, most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, insurance companies wouldn't stay in business.

For a list of insurance companies offering insurance discounts in California, click here.

Car insurance protects more than just your car

Despite the high insurance cost in Fillmore, car insurance may be required for several reasons.

The benefits of carrying enough insurance more than offset the price you pay, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $700 annually so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Car insurance coverage information

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, funeral costs, EMT expenses, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages - Collision insurance covers damage to your vehicle caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, theft, fire damage and damage from flooding. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability - This provides protection from injuries or damage you cause to other's property or people in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase as much as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.

Smart shoppers get results

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret they didn't have enough coverage. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.

In this article, we covered many ideas to get a better price on car insurance in Fillmore. It's most important to understand that the more quotes you get, the higher your chance of finding the cheapest Fillmore car insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm or Progressive.

Much more information about car insurance in California is located below: