Want low-cost car insurance rates in La Verne, CA? Online rate comparisons for affordable La Verne auto insurance can be challenging if you are like the majority of consumers and have never used rate quotes online. Don't let the process intimidate you because comparing prices is actually very simple.

Astonishing but true according to a recent study, most car insurance policyholders in California kept their policy with the same company for at least the last four years, and about 40% of consumers have never compared rates from other carriers. Consumers in America could save almost 47% every year by just comparing quotes, but they don't want to take the time to compare rates online.

If you are already insured, you will surely be able to lower your rates using the techniques presented in this article. These techniques will help educate you on the best methods to compare rates and how you can save the most money. Nevertheless, California car owners need to have an understanding of how the larger insurance companies calculate your policy premium and use it to find better rates.

Get cheap insurance with discounts

Companies don't list all their discounts very well, so we took the time to find both well-publicized and the harder-to-find credits that may apply to you.Discount insurance

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, companies wouldn't make money that way.

Insurance companies that have most of the discounts above may include but are not limited to:

If you want the cheapest La Verne auto insurance quotes, ask each insurance company which credits you are entitled to. Some discounts listed above may not apply in La Verne. To choose insurance companies who offer cheap insurance quotes in California, click this link.

The method we recommend to compare rate quotes utilizes the fact most insurance companies will pay a fee to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details like marital status, if it has an anti-theft system, what your job is, and how many miles driven. Your rating data is sent automatically to multiple top-rated companies and they return quotes within a short period of time.

If you would like to start a quote now, click here and complete the quick form.

The companies in the list below offer free quotes in California. To locate the best auto insurance in California, it's highly recommended you compare several of them to get the most affordable price.

Insurance Rates for Popular Vehicles in La Verne
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,094 $547 $91
Chevrolet Silverado LT Extended Cab 2WD $1,422 $711 $119
Dodge Ram Quad Cab SLT 2WD $1,518 $759 $127
Ford Escape XLT 4WD $1,468 $734 $122
Ford Explorer XLT 4WD $1,588 $794 $132
Ford F-150 XLT Super Cab 4WD $1,510 $755 $126
Ford Focus SEL 4-Dr Sedan $1,340 $670 $112
Honda Accord LX-S 2-Dr Coupe $1,674 $837 $140
Honda CR-V LX 4WD $1,160 $580 $97
Honda Civic DX 2-Dr Coupe $1,824 $912 $152
Honda Odyssey EX-L W/Navigation $1,452 $726 $121
Hyundai Elantra GLS Touring Station Wagon $886 $443 $74
Nissan Altima 3.5 SR 2-Dr Coupe $1,598 $799 $133
Toyota Camry XLE $1,232 $616 $103
Toyota Corolla S $1,102 $551 $92
Toyota Tacoma 2WD $1,142 $571 $95
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in garaging location in La Verne which can lower or raise insurance rates substantially.

Deductible comparison

When shopping for car insurance, a common question is what deductibles to buy. The comparisons below illustrate the rate differences between high and low policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SE 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SEL 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SES 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SE 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Focus SES 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
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Ford Focus insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SE 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Focus SEL 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SES 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Focus SE 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Focus SES 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
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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, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can change rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs about $17 more each month or $204 each year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 15 months between claims, you would probably save some money if you elect the higher deductible. The illustration below shows how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $500 deductibles (subtract): - $117
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. You need enough money put aside in the event you need to pay more to get your vehicle repaired.

Informed drivers can cut their car insurance rates

The best way to find cheaper car insurance is to take a look at some of the elements that help determine the level of your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in lower rates. Many things are considered when you get your auto insurance bill. Some are obvious like a motor vehicle report, although others are less apparent such as your credit history or your commute time.

Can't I compare prices from local La Verne auto insurance agents?

Many people just prefer to get advice from a local agent and doing so can bring peace of mind One of the benefits of comparing rates online is the fact that you can find lower prices and still buy from a local agent. And buying from local insurance agencies is especially important in La Verne.

Insurance agents in La VerneUpon completion of this quick form, your insurance data is transmitted to local insurance agents in La Verne who will give you quotes for your coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies as quotes are delivered directly to you. You'll get the best rates AND an agent nearby. If you want to compare rates from a specific company, feel free to navigate to their website and fill out the quote form the provide.

When finding a local agent, you must know there are a couple different types of agents and how they can quote your rates. Insurance agencies in La Verne can be categorized as either exclusive or independent.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent are not employed by one company and that allows them to write policies with lots of companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house and you stay with the same agent. When comparing rates, you need to compare prices from independent agents in order to have the best price comparison. Many write coverage with less well-known companies which can be an advantage.

Exclusive Agents

These agents can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide other company's prices so they have no alternatives for high prices. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price. Some people will only purchase coverage from exclusives mostly because of high brand loyalty instead of buying on price only.

Choosing an auto insurance agent is decision based upon more than just the price. Some important questions to ask are:

Auto insurance does more than just protect your car

Despite the potentially high cost of auto insurance, buying auto insurance is mandatory in California but it also protects more than you think.

The benefits of having auto insurance definitely exceed the cost, particularly if you ever have a claim. But the average driver in California overpays more than $750 every year so it's important to compare rates every year to make sure the price is not too high.

A little work can save a LOT of money

In this article, we covered a lot of techniques to lower your auto insurance prices in La Verne. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the best price on auto insurance is with an unexpected company.

Some insurance providers may not provide rate quotes online and usually these smaller companies provide coverage only through independent agencies. The cheapest auto insurance in La Verne can be purchased online in addition to many La Verne insurance agents, and you need to price shop both in order to have the best price selection to choose from.

When trying to cut insurance costs, it's a bad idea to buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but don't skip important coverages to save money.

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