Has it been over a year since you last compared quotes for the cheapest insurance rates in Lafayette, CA? Are you regretting the purchase of an underperforming, overpriced insurance policy? Trust us when we tell you there are lots of people in the same boat.
It's amazing but a large majority of insurance policyholders in California kept their coverage with the same insurance company for over three years, and approximately 40% of consumers have never quoted rates to find cheaper coverage. Drivers in America can cut their rates by nearly 46.5% a year by just shopping around, but they just feel it's too hard to compare rates and save money. Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a insurer to find the absolute best rates possible on insurance.
It's a great practice to price shop coverage periodically because insurance prices are constantly changing. Just because you found the lowest price on insurance a couple years back a different company probably has better rate quotes today. Don't believe everything you read about insurance online but you can learn a lot of great tips on how to lower your insurance premiums.
The best way to compare car insurance rates is to realize all the major auto insurance companies participate in online systems to quote your coverage. The one thing you need to do is provide details like the year, make and model of vehicles, distance driven, if you have an active license, and how much school you completed. The rating information is instantly provided to multiple top-rated companies and they respond with quotes quickly.
To check car insurance prices now, click here and complete the form.
The following companies provide price quotes in California. To buy the best cheap auto insurance in California, we recommend you click on several of them to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,156||$578||$96|
|Dodge Grand Caravan SE||$1,106||$553||$92|
|Dodge Ram Quad Cab SLT 4WD||$1,522||$761||$127|
|Ford Escape XLT 2WD||$1,602||$801||$134|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$1,258||$629||$105|
|Ford Focus SES 2-Dr Coupe||$2,128||$1,064||$177|
|Honda Accord LX-P 4-Dr Sedan||$1,428||$714||$119|
|Honda CR-V LX 4WD||$986||$493||$82|
|Honda Civic SI 4-Dr Sedan||$2,148||$1,074||$179|
|Hyundai Elantra Blue 4-Dr Sedan||$1,060||$530||$88|
|Jeep Grand Cherokee Laredo 2WD||$1,372||$686||$114|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,440||$720||$120|
|Kia Optima EX||$1,334||$667||$111|
|Mazda 3 S Sport 4-Dr Hatchback||$1,226||$613||$102|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,360||$680||$113|
|Toyota Camry SE||$1,230||$615||$103|
|Toyota Corolla S||$1,404||$702||$117|
|Toyota RAV4 Limited 2WD||$1,390||$695||$116|
|Toyota Tacoma 4WD||$972||$486||$81|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in specific zip code location which can revise premiums significantly.
Higher deductibles lower rates
The diagram below shows how choosing a deductible and can increase or decrease GMC Acadia insurance costs for different categories of driver ages. Data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
Companies offer money-saving discounts on insurance
Companies that sell car insurance don't always list all their discounts very clearly, so the next list breaks down a few of the more well known as well as some of the hidden credits available to bring down your rates.
- Lafayette Homeowners Pay Less - Owning your own home or condo can earn you a little savings since owning and maintaining a home requires personal responsibility.
- Distant Student - College-age children who are attending college and don't have a car may qualify for this discount.
- Discount for Low Mileage - Driving fewer miles may allow you to get lower prices due to less chance of an accident.
- ABS Braking Discount - Cars and trucks with anti-lock braking systems can avoid accidents and will save you 10% or more.
- Sign Online - Some of the larger companies will discount your bill up to fifty bucks for buying your policy online.
- Student Discounts - A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
- Life Insurance - Some insurance companies give a discount if you purchase a life insurance policy as well.
- Seat Belt Usage - Requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
- Accident Forgiveness - Not a discount per se, but some companies like State Farm and Progressive will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Early Switch Discount - Some companies reward drivers for switching to them prior to your current policy expiration. This discount can save up to 10%.
One thing to note about discounts is that most credits do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you could get a free insurance policy, it's just not the way it works.
To find providers that provide some of the discounts listed above in Lafayette, click here to view.
Five tips to get lower Lafayette insurance costs
Many different elements are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent like your vehicle usage or how safe your car is. Part of the insurance buying process is learning the factors that come into play when calculating your insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that will entitle you to lower insurance prices.
The list below includes just a few of the factors utilized by car insurance companies to help set your prices.
Liability coverage - The liability coverage on your policy will provide protection in the event that you are responsible for an accident. Your policy's liability insurance provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Excellent credit scores equal low rates - Credit score can be an important factor in calculating your insurance rates. If your credit rating could use some work, you may save money insuring your vehicle if you improve your credit rating. Consumers who have high credit scores tend to be more responsible than drivers who have poor credit scores.
Safer vehicles cost less to insure - Vehicles that have high safety ratings get lower rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your car, truck, or SUV has ratings of a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may be receiving a better rate.
More stress means more cost - Jobs like lawyers, air traffic controllers, and miners are shown to have higher rates than average in part from stressful work requirements and lengthy work days. On the other hand, jobs such as professors, historians and homemakers receive lower rates.
An active claims history can increase rates - Car insurance companies in California give discounts to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of the large, substantial claims.
The largest companies are not always cheapest
California consumers can't ignore all the ads for insurance savings from the likes of State Farm, GEICO and Progressive. All the ads advertise the message about savings if you change to them.
How does every insurance company offer drivers better rates? Here is how they do it.
Many companies have a preferred profile for the type of driver that earns them the highest profit. For example, a profitable customer could possibly be over the age of 50, carries high limits, and drives a vehicle with a low ISO rating. Any driver that matches those criteria may get the lowest premium rates in Lafayette and will most likely cut their rates substantially.
People who do not meet these standards may be forced to pay higher prices and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say "drivers who switch" not "all people who quote" save that much when switching. That's why companies can make it sound like they have such great premium rates. Each company has different criteria, so you should get price quotes at each policy renewal. It's not possible to predict which insurance companies will fit you best based on your risk profile.
Smart consumers save more
When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped full coverage only to regret that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.
Lower-priced auto insurance in Lafayette can be bought from both online companies in addition to many Lafayette insurance agents, so you need to quote Lafayette car insurance with both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and these regional carriers only sell coverage through local independent agencies.
For more information, take a look at the articles below:
- Get the Right Protection (InsureUonline.org)
- How Much are California Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Who Has Cheap Car Insurance for Teachers in California? (FAQ)
- How Much is California Car Insurance for a Chevrolet Silverado? (FAQ)
- What is the Best Auto Insurance in Santa Clarita, California? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in California? (FAQ)
- Who Has Cheap Car Insurance for Teenage Males in California? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in California? (FAQ)
- Older Drivers FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)