How many years has it been since you compared lower-priced auto insurance rates in Upland, CA? Did you come to the realization that you have an expensive auto insurance policy? You're preaching to the choir because there are many Upland drivers thinking the same thing.

Statistics show that most auto insurance buyers have been with the same company for well over three years, and nearly half have never even shopped around for cheaper coverage. California drivers could save approximately 35% every year by just comparing quotes, but they feel it's too difficult to compare rate quotes. Companies like GEICO, Progressive and Allstate all claim big savings with TV and radio ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

Discounts to earn lower Upland insurance rates

Some companies don't always list every discount in an easy-to-find place, so below is a list some of the best known as well as some of the hidden discounts you could be receiving when you buy Upland car insurance online.Cheaper insurance with discounts

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you aren't that lucky.

A few popular companies and a summarized list of policyholder discounts are included below.

It's a good idea to ask every insurance company which credits you are entitled to. A few discounts might not apply everywhere. If you would like to choose from a list of providers that offer some of these discounts in Upland, click here.

Quote Upland car insurance online

Getting a low cost price on insurance doesn't have to be difficult. All that's required is to invest a few minutes comparing rates from online providers.

Comparison shopping rate quotes online is easy and it makes it a waste of time to go to insurance agents' offices. The ability to buy insurance online eliminates the middleman unless you prefer the professional advice of a licensed agent. You can, however, comparison shop online but purchase the actual policy in an agency.

The companies shown below provide price quotes in Upland, CA. To buy the best cheap auto insurance in California, we suggest you visit several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Upland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,482 $741 $124
Dodge Grand Caravan Crew $1,608 $804 $134
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,904 $952 $159
Ford Escape XLT 4WD $1,010 $505 $84
Ford F-150 STX Super Cab 4WD $1,698 $849 $142
Ford Focus SES 2-Dr Coupe $1,896 $948 $158
Honda Accord LX 4-Dr Sedan $1,094 $547 $91
Honda CR-V LX 4WD $1,228 $614 $102
Honda Civic VP 4-Dr Sedan $1,374 $687 $115
Hyundai Sonata Limited 4-Dr Sedan $1,334 $667 $111
Nissan Altima 2.5 S 2-Dr Coupe $1,334 $667 $111
Toyota Camry SE $1,454 $727 $121
Toyota Corolla XRS $1,324 $662 $110
Toyota Prius $984 $492 $82
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in Upland location which can increase or decrease insurance rates substantially.

Difference between liability only and full coverage rates

The information below shows the comparison of Dodge Ram auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving violations, $500 deductibles, married male driver, and no other discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no clear-cut rule to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's say your Dodge Ram replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not advised. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Male drivers compared to female drivers in Upland

The example below shows the comparison of insurance costs for male and female drivers in Upland. The price estimates are based on no accidents or driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are applied on a Hyundai Sonata Limited.

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

Tailor your car insurance coverage to you

When choosing insurance from an agent or online for your vehicles, there really is not a "best" method to buy coverage. Each situation is unique.Car insurance savings

Here are some questions about coverages that might point out if your situation 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, simply complete this short form. It's fast, free and can help protect your family.

Insurance claim statistics

Which are the best vehicles for low claims? The statistics below show the best and worst cars and trucks for overall likelihood of having large claims for each type of coverage.

Liability Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Hyndai Accent
Audi A6 Chevrolet Sonic
Subaru Outback Chrysler 200
Acura MDX Chevrolet Impala
Subaru Forester Dodge Charger
Volvo XC60 Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Mitsubishi Mirage
Tesla Model S Mitsubishi Lancer
Chevrolet Corvette Nissan Versa
Ford F-250 SuperCrew Chrysler 200
Ford F-350 SuperCrew Chevrolet Sonic
Land Rover Range Rover Sport Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Maserati Granturismo
Ford Edge Maserati Ghibli
Ford F-250 SuperCab Nissan GT-R
Mini Cooper BMW 6 Series
Chevrolet Colorado Audi RS7
Smart ForTwo Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Volvo V60 Maserati Quattroporte
Infiniti QX50 Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Smart ForTwo Porsche Panamera GTS
Chevy Spark Audi S7
Nissan Xterra Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Cheap coverage is out there

We covered a lot of ways to save on car insurance in Upland. The key concept to understand is the more times you quote, the higher your chance of finding cheaper Upland car insurance quotes. Consumers could even find that the best price on car insurance is with a small local company.

Cheap car insurance in Upland is definitely available on the web in addition to local insurance agencies, so get free Upland car insurance quotes from both of them to get a complete price analysis. Some insurance providers do not provide the ability to get quotes online and most of the time these small, regional companies only sell through independent agencies.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, policy cancellation and not issuing a premium refund. It doesn't matter what your reason, finding the right car insurance provider can be less work than you think.

For more information, feel free to browse the following helpful articles: