Locating better insurance prices for a car in California could be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to buy car insurance so you're going to learn the absolute fastest way to get price quotes for your and obtain the lowest possible price from South Pasadena insurance agents and online providers.
It's a good habit to do price comparisons every six months since insurance prices are usually higher with each renewal. Even if you got the lowest price on car insurance at your last renewal there may be better deals available now. There are a lot of ways to save on car insurance out there, but I'm going to show you some of the best ways to lower your car insurance premiums.
Car insurance providers offering affordable rates in California
The providers in the list below provide comparison quotes in California. If you want to find cheap auto insurance in California, it's highly recommended you compare several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS AWD||$1,566||$783||$131|
|Chevrolet Silverado LS Extended Cab 2WD||$1,100||$550||$92|
|Dodge Grand Caravan SXT||$1,368||$684||$114|
|Dodge Ram Crew Cab Sport 4WD||$1,412||$706||$118|
|Ford Edge Limited AWD||$1,620||$810||$135|
|Ford Escape XLS 4WD||$868||$434||$72|
|Ford Explorer XLT 2WD||$1,462||$731||$122|
|Ford F-150 XLT Super Cab 4WD||$1,132||$566||$94|
|Ford Focus SE 4-Dr Sedan||$1,496||$748||$125|
|GMC Sierra SL Crew Cab 4WD||$1,598||$799||$133|
|Honda Accord LX 4-Dr Sedan||$982||$491||$82|
|Honda CR-V EX-L 2WD||$1,052||$526||$88|
|Honda Civic GX 4-Dr Sedan||$1,758||$879||$147|
|Hyundai Elantra SE 4-Dr Sedan||$1,638||$819||$137|
|Mazda 3 S Grand Touring 4-Dr Hatchback||$1,490||$745||$124|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,404||$702||$117|
|Nissan Rogue S AWD||$1,262||$631||$105|
|Toyota Camry Hybrid||$1,532||$766||$128|
|Toyota Corolla LE||$1,372||$686||$114|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can influence coverage prices noticeably.
Raise deductibles and save
The example below highlights how deductible choice and can affect Ford Escape annual premium costs for different ages of insureds. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Premiums by gender and age
The illustration below shows the comparison of insurance rates for male and female drivers in South Pasadena. The data assumes a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in on a Ford Escape XLS.
Ford Escape rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Cut your auto insurance rates with these seven discounts
Car insurance can cost a lot, but you can get discounts that could help you make your next renewal payment. Most are applied when you purchase, but a few need to be asked about before they will apply.
- Federal Employees - Employees or retirees of the government may reduce rates when you quote South Pasadena car insurance with a few auto insurance companies.
- Paperless Signup - Certain auto insurance companies will give you a small discount just for signing your application digitally online.
- Driver Education Discount - Cut your cost by having your teen driver participate in a local driver's education class in school.
- Accident Forgiveness - Not really a discount, but some insurance companies permit an accident before raising your premiums so long as you are claim-free prior to the accident.
- Active Military Service - Having a deployed family member may qualify for rate reductions.
- Air Bags and Passive Restraints - Vehicles with factory air bags may earn rate discounts of more than 20%.
- Cautious Drivers - Drivers who don't get into accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way.
To see a list of providers offering auto insurance discounts in California, follow this link.
Car insurance coverage breakdown
Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like falling objects, theft and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.
Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, dental work, ambulance fees and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Auto liability - Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/5 which means $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for claims such as medical expenses, pain and suffering, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy more coverage.
Collision coverage - This coverage pays for damage to your vehicle caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like hitting a mailbox, driving through your garage door, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Uninsured or underinsured coverage - This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.
Since many California drivers only carry the minimum required liability limits (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
One last thing about your coverage
While you're price shopping online, make sure you don't skimp on critical coverages to save a buck or two. There are too many instances where an insured cut collision coverage to discover at claim time that it was a big mistake. Your goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.
Affordable car insurance in South Pasadena is available both online and with local South Pasadena insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies don't offer online price quotes and many times these smaller companies only sell coverage through independent insurance agents.
We just covered quite a bit of information on how to find cheaper coverage online. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest premium rates come from some of the smallest insurance companies.
More tips and info about car insurance is located at these sites:
- Rollover Crash FAQ (iihs.org)
- What Auto Insurance is Cheapest for Police Officers in California? (FAQ)
- What is the Cheapest Auto Insurance in Oxnard, California? (FAQ)
- Who Has Affordable California Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much are Car Insurance Quotes for Seniors in California? (FAQ)
- Winter Driving (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)