Finding low-cost insurance for your car in California could be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to buy insurance and we'll show you the absolute fastest way to compare rates for your and find the cheapest rates from both online companies and San Bernardino agents.

Astonishing but true, about 70% of customers kept their coverage with the same insurance company for well over three years, and about 40% of consumers have never even compared quotes to find cheaper rates. Drivers in California could save up to 35% every year by just comparing rate quotes, but they don't know how much savings they would realize if they moved their coverage to a different company.

It's a great practice to do price comparisons on a regular basis because insurance prices are usually higher with each renewal. If you had the lowest rates on insurance at your last renewal you can probably find a lower rate today. You can find a lot of wrong information about insurance out there, but I'm going to show you a lot of great tips on how to save money.

Quoting and buying the best insurance policy in San Bernardino is simple if you know the tricks. If you're already insured or are looking for a new policy, use these cost-cutting techniques to find the best rates while maintaining coverages. Drivers only need an understanding of the best way to compare insurance rates instantly.

Finding a lower price on insurance is surprisingly easy. Consumers just need to take the time to get quotes to find the company with affordable San Bernardino auto insurance quotes.

The companies shown below have been selected to offer price comparisons in California. If multiple companies are listed, we suggest you compare several of them to get the most affordable price.

Insurance Cost Estimates for Popular Vehicles in San Bernardino
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,142 $571 $95
Chevrolet Equinox LS AWD $1,488 $744 $124
Chevrolet Impala LTZ $1,418 $709 $118
Chevrolet Silverado LT Regular Cab $1,100 $550 $92
Dodge Grand Caravan SE $1,388 $694 $116
Dodge Ram Quad Cab Laramie 4WD $1,940 $970 $162
Ford Escape XLS 2WD $986 $493 $82
Ford F-150 FX2 2WD $1,428 $714 $119
Ford Focus SEL 4-Dr Sedan $1,210 $605 $101
GMC Sierra SLE Crew Cab 4WD $1,324 $662 $110
Honda Accord LX 4-Dr Sedan $1,228 $614 $102
Honda CR-V EX-L 4WD $1,294 $647 $108
Honda Civic LX-S 4-Dr Sedan $1,356 $678 $113
Honda Odyssey EX-L W/Rear Entertainment $1,648 $824 $137
Nissan Altima 2.5 S 4-Dr Sedan $1,424 $712 $119
Nissan Rogue S 2WD $1,538 $769 $128
Toyota Camry XLE $1,620 $810 $135
Toyota Corolla LE $1,256 $628 $105
Volkswagen Jetta LE 4-Dr Sedan $1,168 $584 $97
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates significantly.

Can higher deductibles save money?

The diagram below shows how different deductible levels and can increase or decrease Honda Accord insurance prices for different insured age categories. The prices are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Choosing the best vehicle insurance in California is an important decision

Even though it's not necessarily cheap to insure a vehicle in San Bernardino, insurance is most likely required but also gives you several important benefits.

First, almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your vehicle, it's guaranteed your bank will require you to have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your vehicle at a significantly higher premium and force you to pay much more than you were paying before.

Third, insurance protects not only your vehicle but also your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying over $855 a year so smart consumers compare quotes every year to make sure the price is not too high.

Do you really save 40% when you switch?

Consumers in California can't get away from all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads make the point about saving some big amount just by switching your policy.

Is it even possible that every company can save you money on auto insurance? It's all in how they say it.

All companies have specific characteristics for the type of customer that earns them the highest profit. For example, a driver they prefer should be a married female, is a homeowner, and drives newer vehicles. Any new insured that hits that "sweet spot" is entitled to the best price and will most likely save some money.

Drivers who fall short of the requirements may be required to pay a higher rate which translates to the customer buying from a different company. The ad wording is "drivers who switch" but not "everyone who gets a quote" save money. This is how insurance companies can advertise the way they do.

This really emphasizes why drivers must get a wide range of price quotes. Because you cannot predict which insurance companies will fit your personal profile best.

Take advantage of every auto insurance discount

Car insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at quote time, but less common discounts must be specially asked for before you will receive the discount.Auto insurance discounts

You can save money using discounts, but some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will lower the amount you pay for coverage.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

Before buying, ask every prospective company how you can save money. Some credits may not be offered in every state. To choose insurance companies who offer free auto insurance quotes in San Bernardino, click here to view.

Compare rate quotes but buy from a local neighborhood San Bernardino car insurance agent

Many drivers would rather visit with an insurance agent and that is not a bad decision Most agents can answer important questions and help submit paperwork. An additional benefit of getting free rate quotes online is the fact that drivers can get lower prices and still have a local agent. Putting coverage with local insurance agents is important particularly in San Bernardino.

Find insurance agent in San BernardinoTo find an agent, once you fill out this short form, your information is emailed to participating agents in San Bernardino who will give you bids to get your business. There is no reason to even leave your home because prices are sent immediately to you. If you have a need to compare prices from a particular provider, don't hesitate to find their quoting web page and fill out their quote form.

Choose an insurance agent wisely

If you're trying to find a reputable insurance agent or broker, it's helpful to know the different types of agencies and how they are distinctly different. Agents can be classified as either independent or exclusive. Both types can insure your vehicles, but it's good to learn how they differ because it may have an impact on your selection of an agent.

Independent Agents

Independent insurance agents can quote rates with many companies and that allows them to write policies with many different companies and help determine which has the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent.

If you need cheaper car insurance rates, it's recommended you get quotes from at least one independent agent to have the most options to choose from. Many can place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.

Exclusive Car Insurance Agents

Exclusive insurance agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. They are trained well on sales techniques which helps them sell insurance even at higher premiums. Some insured continue to use the same exclusive agent partially due to the brand name rather than low rates.

Deciding on a insurance agent should include more criteria than just a cheap quote. You should also get answers to these questions.

Insurance losses by coverage

Which vehicles have a tendency to have claims? The following statistics show the highest and lowest vehicles for the probability of having large claims orgainized by coverage.

Vehicle Make and Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Hyundai Accent
Ford Expedition Chrysler 200
Ford F-250 SuperCrew Chevrolet Spark
Tesla Model S Nissan Versa
Chevrolet Silverado 2500 Chevrolet Sonic
Audi A4 Allroad Kia Forte

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

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Bentley Continental Flying Spur
Ford Edge BMW 6 Series
Ford F-250 SuperCab BMW M6
GMC Canyon Ferrari 458
Mini Cooper Bently Continental GTC
Jeep Wrangler Maserati Ghibli

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

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Chevrolet Sonic
Audi A6 Chevrolet Impala
Acura MDX Mitsubishi Lancer
Subaru Outback Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Hyndai Accent

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Maserati Quattroporte
Volvo V60 BMW M6
Infiniti QX50 Mercedes-Benz S Class
Nissan Xterra BMW M6
Smart ForTwo Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GT

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

A little work can save a LOT of money

Consumers leave their current company for any number of reasons including not issuing a premium refund, being labeled a high risk driver, poor customer service or even an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company can be less work than you think.

As you shop your coverage around, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

The cheapest auto insurance in San Bernardino can be sourced from both online companies as well as from independent agents in San Bernardino, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not offer online quoting and these small, regional companies provide coverage only through independent insurance agents.

Additional detailed information is located in the articles below: