Searching for low-cost insurance for a new or used car in California can turn out to be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for insurance so we're going to tell you the quickest way to compare rates on a and locate the lowest price from both online companies and La Canada Flintridge agents.

If you are insured now or are looking for a new policy, follow these tips to buy cheaper car insurance without reducing protection. Comparing rates for the best car insurance in La Canada Flintridge is not as difficult as people think. Comparison shoppers just have to understand the most efficient way to find the lowest price using one simple form.

Car insurance companies in La Canada Flintridge

The companies in the list below are our best choices to provide quotes in California. To locate cheap auto insurance in California, we suggest you get price quotes from several of them in order to find the lowest rates.

Insurance Costs for Popular Vehicles in La Canada Flintridge
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,488 $744 $124
Chevrolet Impala LT $1,142 $571 $95
Chevrolet Silverado LT Crew Cab 2WD $1,936 $968 $161
Dodge Grand Caravan SE $1,310 $655 $109
Dodge Ram Crew Cab ST 2WD $1,450 $725 $121
Ford Escape XLS 4WD $1,328 $664 $111
Ford F-150 FX4 4WD $1,576 $788 $131
Ford Focus SES 4-Dr Sedan $1,204 $602 $100
Ford Fusion Hybrid 4-Dr Sedan $1,324 $662 $110
Honda Accord EX-L 2-Dr Coupe $1,708 $854 $142
Honda CR-V EX 4WD $1,336 $668 $111
Honda Civic EX-L 2-Dr Coupe $1,276 $638 $106
Nissan Altima 3.5 SR 4-Dr Sedan $1,648 $824 $137
Toyota Camry LE $1,488 $744 $124
Toyota Corolla LE $1,372 $686 $114
Toyota Prius $1,110 $555 $93
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower premium rates greatly.

Safe drivers pay less for auto insurance

The information below highlights how speeding tickets and at-fault collisions impact Chevrolet Silverado yearly insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

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

Where to set your deductibles

One frequently asked question is what deductibles to buy. The premium rates below help summarize how much more you'll pay between high and low physical damage coverage deductibles. The first rate quote example uses a $250 deductible and the second price grid uses a $1,000 deductible.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Sentra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $298 $576 $442 $26 $132 $1,499 $125
Sentra 2.0 S $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SR $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SL $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R SPEC V $342 $780 $442 $26 $132 $1,747 $146
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Nissan Sentra insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $184 $362 $442 $26 $132 $1,146 $96
Sentra 2.0 S $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SR $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SL $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R SPEC V $210 $490 $442 $26 $132 $1,300 $108
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in La Canada Flintridge which can influence premium rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $33 more each month or $396 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claims, you would save money if you choose the higher deductible.

Cost comparison with and without full coverage

The chart below visualizes the comparison of Chevrolet Malibu premium costs when comparing full coverage to state minimum liability only. The data is based on no claims or driving violations, $100 deductibles, married female driver, and no discounts are applied to the premium.

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

When to drop full coverage

There is no specific rule for excluding full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Chevrolet Malibu claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for full coverage, then it might be time to buy liability only.

There are some cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Guidelines for eliminating full coverage

There is no exact rule to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's say your Chevrolet Cruze replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If you are paying more than $800 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Take policy discounts and save on auto insurance

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. A few discounts will be applied when you purchase, but lesser-known reductions have to be specially asked for before you will receive the discount. If they aren't giving you every credit possible, you are paying more than you should be.Save money with discounts

Remember that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, that's just not realistic.

To see insurers offering auto insurance discounts in California, click this link.

Which policy gives me the best coverage?

Keep in mind that when it comes to choosing proper insurance coverage, there is no "best" method to buy coverage. Each situation is unique and your auto insurance should unique, too.Safe vehicles cost less to insure Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Claim statistics by make and model

Which vehicles are likely to have claims? The following claim statistics list the highest and lowest models for overall likelihood of filing claims.

Lowest and Highest Car Insurance Collision Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper BMW 6 Series
GMC Canyon Maserati Granturismo
Ford F-250 SuperCab Maserati Ghibli
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra Bently Continental GT
Ford Edge BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Nissan Sentra
Chevrolet Silverado 2500 Chevrolet Sonic
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Corvette Kia Forte
Ford Expedition Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Mirage
Subaru Forester Mitsubishi Lancer
Mercedes-Benz SL Class Chrysler 200
Subaru Outback Chevrolet Impala
Acura MDX Hyndai Accent
Chevrolet Corvette Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
Chevy Silverado 2500 Bentley Continental GT
Nissan Leaf BMW M6
Ford F-350 Maserati Quattroporte
Infiniti QX50 Porsche Panamera GTS
Chevy Spark BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

More effort can pay off

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We covered a lot of tips how to compare insurance car insurance rates in La Canada Flintridge. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheap La Canada Flintridge auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a smaller regional carrier. They often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.

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