Do you want to learn to get lower-priced auto insurance rates in Newport Beach, CA? Are you drained from not being able to afford to insure your vehicles every month? You are in the same boat as many other California drivers.

Amazingly, nearly 70% of consumers have bought auto insurance from the same company for four years or more, and just short of a majority have never compared rates to find cheaper insurance. Many consumers in Newport Beach could save approximately $469 each year by just shopping around, but most undervalue the amount of savings they would get if they just switched companies. There are many car insurance companies to pick from, and although it's nice to be able to choose, it can be more challenging to compare rates and find the lowest cost auto insurance.

Consumers need to shop coverage around periodically since prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes on auto insurance two years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to buy cheaper auto insurance.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact almost all companies actually pay money for the chance to quote your coverage. The only thing you need to do is spend a couple of minutes providing details like if a SR-22 is required, whether the vehicles are used for commuting, an estimate of your credit level, and the type of vehicles you drive. Your rating data is automatically sent to many highly-rated insurers and they provide comparison quotes very quickly.

To start a rate quote now, click here and see if a lower rate is available in Newport Beach.

The companies shown below are our best choices to provide price comparisons in Newport Beach, CA. To buy the best cheap auto insurance in California, we recommend you compare several of them in order to find the most affordable rates.

Insurance Price Estimates for Popular Vehicles in Newport Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,450 $725 $121
Chevrolet Silverado LS Regular Cab 4WD $1,080 $540 $90
Dodge Grand Caravan SE $1,084 $542 $90
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,690 $845 $141
Ford Edge SEL AWD $1,142 $571 $95
Ford Escape Limited 4WD $962 $481 $80
Ford F-150 Lariat Crew Cab Harley 2WD $1,302 $651 $109
Ford Focus SEL 4-Dr Sedan $1,562 $781 $130
Ford Fusion SEL AWD 4-Dr Sedan $1,356 $678 $113
Honda Accord EX-L 2-Dr Coupe $1,754 $877 $146
Honda CR-V EX 2WD $1,002 $501 $84
Honda Civic LX-S 4-Dr Sedan $1,210 $605 $101
Jeep Grand Cherokee Limited 2WD $1,676 $838 $140
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,178 $589 $98
Mazda 3 I Touring 4-Dr Sedan $1,620 $810 $135
Nissan Altima 2.5 S 4-Dr Sedan $1,280 $640 $107
Nissan Rogue S AWD $1,794 $897 $150
Toyota Camry SE $1,664 $832 $139
Toyota Corolla LE $1,840 $920 $153
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,548 $774 $129
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific location information which can increase or decrease premiums greatly.

Where to set your deductibles

The hardest decision when buying coverage is how high should your deductibles be. The tables below highlight the premium difference when you select higher and lower coverage deductibles. The first data table uses a $100 physical damage deductible and the second price table uses a $500 deductible.

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

Chevrolet Tahoe insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $380 $686 $442 $26 $132 $1,691 $141
Tahoe LS 4WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LT 2WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LT 4WD $430 $686 $442 $26 $132 $1,741 $145
Tahoe LTZ 2WD $430 $810 $442 $26 $132 $1,865 $155
Tahoe LTZ 4WD $430 $810 $442 $26 $132 $1,865 $155
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Chevrolet Tahoe insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $278 $464 $442 $26 $132 $1,342 $112
Tahoe LS 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 2WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LT 4WD $314 $464 $442 $26 $132 $1,378 $115
Tahoe LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Tahoe LTZ 4WD $314 $546 $442 $26 $132 $1,460 $122
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific location information which can modify insurance rates greatly.

Based on the data above, we can derive that using a $100 deductible costs approximately $31 more each month or $372 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claims, you would most likely save money going with the higher deductible.

Should you buy full coverage?

The diagram below illustrates the difference between Ford F-150 insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents or driving violations, $100 deductibles, single female driver, and no additional discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to switch to liability coverage only

There is no written rule of when to exclude full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford F-150 book value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after you pay the deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Tailor your auto insurance coverage to you

When it comes to the right insurance coverage, there really isn't a one-size-fits-all type of policy. Every insured's situation is different and a cookie cutter policy won't apply.Drive safe and save For example, these questions may help you determine whether or not you will benefit from professional help.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Car insurance overall losses by make and model

Are you driving a vehicle that ranks high in claims? The statistics tables below list the highest and lowest vehicle makes and models for overall likelihood of having claims for each type of coverage listed.

Lowest and Highest Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon BMW 6 Series
Mini Cooper Maserati Granturismo
Chevrolet Colorado Nissan GT-R
Nissan Xterra BMW M6
Smart ForTwo Bently Continental GT
Ford Edge Bently Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Audi S7
Infiniti QX50 Bentley Continental GTC
Nissan Leaf Bentley Continental GT
Ford F-350 Porsche Panamera GTS
Volvo V60 BMW M6
Smart ForTwo Mercedes-Benz S Class

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Kia Optima
Subaru Outback Chevrolet Cruze
Audi A6 Mitsubishi Lancer
Subaru Forester Kia Rio
Fiat 500 Chrysler 200
Volvo XC60 Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Silverado 2500 Hyundai Accent
Chevrolet Silverado 3500 Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Audi A4 Allroad Kia Forte
Tesla Model S Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years