Want to save money and find more affordable car insurance rates in Hayward, CA? No normal person is fond of buying car insurance, particularly when the cost is way too high.
It's astonishing, but the vast majority of consumers have been with the same company for more than four years, and nearly 40% of drivers have never shopped around. American drivers could pocket nearly $860 a year just by comparing rates, but they don't know how much they could save if they switch to a new company. You have multiple car insurance companies to choose from, and even though it's nice to have a selection, more choices can make it harder to get the best deal.
Consumers should take time to shop coverage around at least once a year because insurance rates fluctuate regularly. Even if you think you had the best deal on car insurance at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we're going to show you the best methods to reduce your cost while increasing coverage.
Buying the cheapest car insurance in Hayward is really quite easy. If you have coverage now, you should be able to find better prices using the techniques covered below. You just need to learn the proper way to compare company rates from multiple carriers.
Car insurance companies in California
The car insurance companies shown below are ready to provide quotes in Hayward, CA. If multiple companies are listed, it's highly recommended you visit as many as you can to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$1,158||$579||$97|
|Chevrolet Malibu LS||$1,722||$861||$144|
|Chevrolet Silverado LS Crew Cab 4WD||$1,452||$726||$121|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,518||$759||$127|
|Ford Escape Limited 2WD||$1,324||$662||$110|
|Ford F-150 Lariat King Ranch 2WD||$1,452||$726||$121|
|Ford Focus SES 2-Dr Coupe||$1,452||$726||$121|
|GMC Sierra SL Crew Cab 4WD||$1,260||$630||$105|
|Honda Accord LX-S 2-Dr Coupe||$1,332||$666||$111|
|Honda CR-V LX 2WD||$990||$495||$83|
|Honda Civic SI 2-Dr Coupe||$1,850||$925||$154|
|Hyundai Elantra SE Touring Station Wagon||$1,416||$708||$118|
|Hyundai Sonata GLS 4-Dr Sedan||$1,250||$625||$104|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$972||$486||$81|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,476||$738||$123|
|Nissan Rogue SL AWD||$1,688||$844||$141|
|Toyota Camry Hybrid||$1,200||$600||$100|
|Toyota Corolla XRS||$1,450||$725||$121|
|Toyota Tacoma Double Cab 4WD||$1,538||$769||$128|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,338||$669||$112|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in zip code location which can increase or decrease prices considerably.
Physical damage deductibles
The chart below demonstrates how choosing different deductibles and can influence Ford Escape insurance costs for different age categories. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Accidents and violations increase rates
The chart below highlights how traffic violations and accidents influence Hyundai Elantra yearly insurance costs for each different age category. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Do you qualify for discounts on car insurance?
Some insurers do not advertise the complete list of policy discounts very well, so the following is a list of both the well known and also the more inconspicuous savings tricks you should be using when you buy Hayward car insurance online.
- Air Bag Discount - Options like air bags may earn rate discounts of 25 to 30%.
- Discount for Low Mileage - Driving less may enable drivers to earn lower car insurance rates due to less chance of an accident.
- Discount for Multiple Policies - If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
- Government Employees - Active or former government employment can earn a discount up to 10% depending on your car insurance provider.
- Buy New and Save - Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new vehicles.
- Mature Driver Discount - Mature drivers may qualify for better car insurance rates.
- Memberships - Joining a professional or civic organization is a good way to get lower rates on your policy.
As a footnote on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.
To choose car insurance companies with significant discounts in Hayward, click here to view.
How do I know if I need professional advice?
Always keep in mind that when comparing insurance from an agent or online, there really is not a "perfect" insurance plan. Your needs are unique to you and a cookie cutter policy won't apply. These are some specific questions can aid in determining whether or not you would benefit from professional advice.
- When should I remove comp and collision on my vehicle?
- Am I covered if I back into my garage door?
- Should I put collision coverage on all my vehicles?
- Is my teen driver covered when they drive my company car?
- Do I need replacement cost coverage on my vehicle?
- Do I have coverage when using my vehicle for my home business?
- How can I force my company to pay a claim?
- Which companies are cheaper for teen drivers?
- Do I really need UM/UIM coverage?
- I have good health insurance, so how much medical payments coverage do I need?
If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.
What if I want to buy from local Hayward car insurance agents?
Many drivers would prefer to go talk to an agent and that is not a bad decision Experienced insurance agents are highly skilled in risk management and help file insurance claims. A good thing about price shopping on the web is you may find lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this simple form, your insurance data is sent to participating agents in Hayward who will give you bids for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered to you directly. If you wish to get a price quote for a specific company, just visit that company's website and complete a quote there.
Choosing the best insurer should include more criteria than just a cheap price quote. Here are some questions you might want to ask.
- Will their companies depreciate repairs to your car based on the mileage?
- Where would glass claims be handled in Hayward?
- Is the agent and/or agency licensed to do business in California?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will they take your side in the event of a claim?
Shop smart and save
We just presented some good ideas how to reduce car insurance auto insurance rates online in Hayward. It's most important to understand that the more companies you get premium rates for, the better likelihood of getting cheaper Hayward car insurance quotes. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
A few companies don't offer the ability to get quotes online and many times these smaller providers only sell coverage through independent insurance agents. Discount car insurance is possible online as well as from independent agents in Hayward, and you should be comparing both to have the best selection.
Additional car insurance information is located below: