Are you at wits end from not being able to afford to insure your vehicles every month? You're in the same situation as many other California consumers.

A recent study showed that almost 70% of insureds have purchased from the same company for over three years, and about 40% of consumers have never taken the time to shop around. Many consumers in Seal Beach could save nearly $469 every year by just comparing quotes, but they don't understand how simple it is to compare rate quotes online. Companies like State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you're already insured or are looking for a new policy, follow these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best rates in Seal Beach can be easy if you know a few tricks. Smart shoppers just need to know the quickest way to compare rates instantly.

Do you qualify for discounts on auto insurance?

Auto insurance is expensive, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of purchase, but some need to be asked about before you get the savings.Cheaper auto insurance with discounts

Please keep in mind that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think it's possible to get free car insurance, it doesn't quite work that way. But any discount will positively reduce your overall bill.

A few of the larger companies and some of the discounts are shown below.

When comparing rates, check with each insurance company to give you their best rates. Some credits may not be offered in every state.

All major auto insurance companies such as Progressive, Allstate and GEICO provide prices for coverage on the web. Obtaining pricing doesn't take much effort as you simply enter your coverage information into a form. Once you submit the form, the quote system collects your driving record and credit report and returns a price quote. Using the web to get rates makes it a lot easier to compare rates and it's absolutely necessary to do this in order to find the most affordable premium possible.

To fill out one form to compare multiple rates now, check out the auto insurance providers below. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. This guarantees you will get comparison quotes based on the exact same insurance coverage.

The providers in the list below are our best choices to provide free quotes in California. If you wish to find the best cheap car insurance in California, it's highly recommended you visit several of them to get the most competitive price.

Insurance Rates for Popular Vehicles in Seal Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,028 $514 $86
Chevrolet Silverado LTZ Extended Cab 2WD $1,334 $667 $111
Dodge Ram Crew Cab ST 4WD $1,662 $831 $139
Ford Escape XLT 4WD $1,336 $668 $111
Ford F-150 Lariat Super Cab 2WD $1,728 $864 $144
Ford Focus SE 2-Dr Coupe $1,366 $683 $114
GMC Sierra SL Extended Cab 2WD $1,048 $524 $87
Honda Accord LX-S 2-Dr Coupe $1,674 $837 $140
Honda CR-V LX 2WD $1,118 $559 $93
Honda Civic DX 2-Dr Coupe $1,494 $747 $125
Hyundai Elantra Blue 4-Dr Sedan $1,600 $800 $133
Jeep Wrangler Rubicon 4WD 2-Dr $1,106 $553 $92
Mazda 3 I Sport 4-Dr Sedan $1,026 $513 $86
Nissan Altima 3.5 SR 4-Dr Sedan $1,490 $745 $124
Toyota Camry XLE $1,672 $836 $139
Toyota Corolla S $1,672 $836 $139
Toyota Prius $1,492 $746 $124
Volkswagen Jetta SE 4-Dr Sedan $1,598 $799 $133
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific garaging location which can increase or decrease premium rates greatly.

Raise deductibles and save

A question often asked by Seal Beach drivers is where should you set your physical damage deductibles. The following insurance rates outline the differences in premium rates between low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Get a Quote for Your Vehicle Go
Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in Seal Beach location which can revise rates greatly.

Based on these figures, using a $250 deductible would cost the average driver about $33 more each month or $396 a year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 23 months between claim filings, you would save money going with the higher deductible.

Deductible analysis

The chart below demonstrates how deductibles and can affect Hyundai Sonata insurance costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, and no discounts are applied.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of males versus females

The chart below visualizes the comparison of auto insurance costs for male and female drivers in Seal Beach. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in on a Hyundai Elantra SE Touring.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

When to get professional advice

Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there really isn't a one-size-fits-all type of policy. Each situation is unique and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that can aid in determining whether you may require specific advice.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Insurance agencies near you

Some consumers would rather talk to an insurance agent and there is nothing wrong with that. Most agents can point out coverage gaps and help file insurance claims. The best thing about getting online price quotes is the fact that you can find lower rates and also buy local. Supporting local agencies is definitely important in Seal Beach.

For easy comparison, once you complete this quick form, the coverage information gets sent to companies in Seal Beach who can give free rate quotes and help you find cheaper coverage. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. If you have a need to compare rates from a specific insurance provider, feel free to go to their quote page and submit a quote form there.

Finding the right company is decision based upon more than just a cheap quote. Get answers to these questions too.

Once you have received good responses to any questions you may have in addition to an acceptable price estimate, it's a good possibility that you have found an provider that meets your needs to insure your vehicles.

Cheaper car insurance premiums are possible

When searching for cheap Seal Beach auto insurance quotes, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage only to discover later that it was a big error on their part. Your goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Some insurance providers may not provide the ability to get a quote online and these small, regional companies only sell through independent agencies. Cheaper car insurance in Seal Beach is attainable online as well as from insurance agents, so you should compare both in order to have the best chance of saving money.

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