Searching for the cheapest insurance for your car in California can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare auto insurance rates so we're going to tell you the quickest way to price shop coverage for a and find the cheapest rates.
Buying affordable auto insurance in Rohnert Park can initially seem challenging. If you have a policy now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Shoppers just need to understand the proper methods to compare rate quotes from many different companies.
Best companies for competitive prices in California
The providers in the list below offer free rate quotes in California. To buy cheap auto insurance in California, we recommend you visit several of them in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$1,570||$785||$131|
|Chevrolet Silverado LS Extended Cab 2WD||$1,588||$794||$132|
|Dodge Ram Quad Cab Sport 2WD||$1,562||$781||$130|
|Ford Edge SE AWD||$1,210||$605||$101|
|Ford Escape XLT 4WD||$1,158||$579||$97|
|Ford F-150 XL Crew Cab 2WD||$1,362||$681||$114|
|Ford Focus SE 4-Dr Sedan||$1,536||$768||$128|
|Honda Accord LX 4-Dr Sedan||$1,160||$580||$97|
|Honda CR-V EX 2WD||$982||$491||$82|
|Honda Civic VP 4-Dr Sedan||$1,512||$756||$126|
|Honda Odyssey EX W/Rear Entertainment||$1,158||$579||$97|
|Jeep Grand Cherokee Limited 4WD||$1,450||$725||$121|
|Mazda 3 S Sport 4-Dr Sedan||$1,226||$613||$102|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,410||$705||$118|
|Toyota Camry SE||$1,388||$694||$116|
|Toyota Corolla LE||$1,672||$836||$139|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in specific Rohnert Park garaging location which can change coverage prices substantially.
Policy deductible comparison
The illustration below highlights how deductible choice and can affect Hyundai Elantra insurance costs for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, 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.
Impact of age and gender on car insurance rates
The diagram below illustrates the difference between insurance prices for male and female drivers in Rohnert Park. The rates are based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium on a Chevrolet Tahoe LS.
Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Buy cheap insurance with these tips
The best way to find cheaper insurance is to take a look at some of the factors that play a part in calculating your insurance rates. When consumers understand what determines premiums, this allows you to make good choices that may result in lower insurance prices.
The factors shown below are some of the most common factors utilized by car insurance companies to help set your rates.
More performance means more cost - The performance level of the car or truck you are insuring makes a huge difference in your car insurance bill. Economy passenger vehicles usually have the lowest rates, but many other things help determine your insurance rates.
Your career may increase rates - Do you work in a high-stress field? Occupational choices like real estate brokers, airline pilots, and miners have higher average rates because of stressful work requirements and incredibly demanding work hours. Other careers such as scientists, students and homemakers have lower than average premiums.
Raising comp and collision deductibles saves money - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you're willing to pay, the lower your rates will be.
Your location is a factor - Being located in less populated areas of the country can save you money when insuring your vehicles. City drivers regularly have traffic congestion and more time behind the wheel. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims
Companies want multiple policies - Most insurers apply a discount to insureds that buy multiple policies. It's known as a multi-policy discount. If you currently are using one company, consumers should still compare other rates to help guarantee you have the best rates.There is a good possibility that you can find better rates by splitting coverages up.
Vehicle options that lower premiums - Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
Be proud to be claim-free - If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Insurance companies in California provide the lowest premiums to people who are not frequent claim filers. Your insurance policy is designed for the large, substantial claims.
Are you eligible for every discount?
Car insurance is expensive, but companies offer discounts to help offset the cost. Most are applied when you quote, but lesser-known reductions have to be inquired about prior to getting the savings.
- Discounts for Government Workers - Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
- Multi-line Discount - Car insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
- Passive Restraints and Air Bags - Factory air bags can receive discounts of more than 20%.
- Safety Course Discount - Completing a class that teaches safe driver techniques could possibly earn you a 5% discount if your company offers it.
- Claim Free - Claim-free drivers can earn big discounts as compared to policyholders that have many claims.
- Distant College Student Discount - Youth drivers who are enrolled in higher education away from home and won't have access to an insured vehicle can receive lower rates.
Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way.
Larger car insurance companies and a partial list of their discounts are:
- State Farm offers discounts including multiple policy, driver's education, multiple autos, anti-theft, good driver, student away at school, and safe vehicle.
- American Family may have discounts that include Steer into Savings, bundled insurance, mySafetyValet, accident-free, and defensive driver.
- AAA discounts include pay-in-full, multi-policy, anti-theft, education and occupation, good driver, and AAA membership discount.
- GEICO offers discounts for good student, anti-theft, membership and employees, defensive driver, multi-policy, seat belt use, and multi-vehicle.
- Mercury Insurance has discounts for low natural disaster claims, anti-theft, type of vehicle, ease of repair, and accident-free.
- Farmers Insurance includes discounts for good student, homeowner, youthful driver, bundle discounts, and early shopping.
- Progressive may offer discounts for good student, homeowner, multi-policy, multi-vehicle, and online signing.
When getting a coverage quote, ask all the companies which discounts you qualify for. A few discounts may not apply in Rohnert Park.
Do I need an insurance agency?
Certain consumers would rather buy from a licensed agent and doing that can be a smart decision Agents will help you protect your assets and help you file claims. One of the best bonuses of comparing auto insurance online is the fact that drivers can get cheap auto insurance quotes and still choose a local agent.
Upon completion of this form (opens in new window), your insurance coverage information is sent to agents in your area that provide free Rohnert Park auto insurance quotes for your coverage. You won't need to leave your house because prices are sent straight to your inbox. If you want to compare prices for a specific company, just go to their quote page to submit a rate quote request.
Choosing the best insurer requires more thought than just the quoted price. Some important questions to ask are:
- Do they reduce claim amounts on high mileage vehicles?
- Are they able to influence company decisions when a claim is filed?
- Are there any extra charges for paying monthly?
- Will you work with the agent or an assistant?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which insurance company do they prefer to write with?
Two different types of auto insurance agents
If you want to buy auto insurance from a local Rohnert Park insurance agency, you should know the types of insurance agents and how they differ in how they quote coverages. Agencies in Rohnert Park are classified as either exclusive or independent agents depending on their company appointments. Either one can sell affordable auto insurance policies, but it's a good idea to understand the difference in how they write coverage since it can affect the selection process.
Exclusive Auto Insurance Agencies
Agents of this type can usually just insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a exclusive agent partially due to the brand rather than having the cheapest rates.
Independent Auto Insurance Agents
Independent insurance agents are appointed with more than one company so they can insure your vehicles with a variety of different insurance companies and get the cheapest rates. If they find a lower price, the business is moved internally which is easy for the insured.
If you are trying to find cheaper rates, you need to compare prices from at a minimum one independent agency in order to compare the most rates. Most also write with less well-known companies which can be an advantage.
Car insurance advertising gotchas
Consumers in California get pounded daily by advertisements that promise big savings for switching by 21st Century, Allstate and State Farm. They all seem to say the same thing that you can save after switching to them.
How does every company make almost identical claims? You have to listen carefully.
Most companies offer their best rates for a prospective insured that will add to their bottom line. For instance, this type of insured may need to be between 30 and 50, has never had a claim, and the vehicle is rated for pleasure use. A driver who fits those characteristics receives the best auto insurance rates in Rohnert Park and will most likely save when they switch companies.
Potential customers who do not match these criteria will get higher premiums and this can result in the customer not purchasing. If you listen closely, the ads state "drivers that switch" not "everybody who quotes" save that much when switching. That's why companies can truthfully advertise the way they do. This emphasizes why you absolutely need to get as many free Rohnert Park auto insurance quotes as possible. It's just not possible to know which company will provide the lowest car insurance in Rohnert Park.
Compare rates regularly to save
Cheaper insurance in Rohnert Park can be found online in addition to local insurance agencies, so get free Rohnert Park auto insurance quotes from both of them to have the best rate selection. There are still a few companies who do not provide rates over the internet and usually these regional insurance providers sell through local independent agencies.
When you buy Rohnert Park auto insurance online, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
In this article, we covered some good ideas how you can find cheaper coverage online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company.
Additional information can be read at these links:
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Cheap California Auto Insurance for a Ford Fusion? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in California? (FAQ)
- Who Has Cheap Car Insurance Rates for a 20 Year Old Male in California? (FAQ)
- What Car Insurance is Cheapest in Fresno, California? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Students in California? (FAQ)
- Who Has Cheap California Car Insurance for a Ford F-150? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Child Safety Seats (Insurance Information Institute)