Paying cheap premium rates for auto insurance could be nearly impossible for people not familiar with online price comparisons. With so many insurance agents and online companies available, it can quickly become a difficult mission to find the lowest price on auto insurance.

Astonishing but true, most auto insurance policyholders in California renewed their policy with the same company for a minimum of four years, and just short of a majority have never compared rates from other carriers. American insurance shoppers can save up to $850 each year, but they just don't understand the rate savings if they moved their coverage to a different company.

Best companies for California auto insurance

The providers in the list below provide price comparisons in California. To buy cheaper car insurance in California, we suggest you get rates from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Laguna Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,348 $674 $112
Chevrolet Silverado LTZ Extended Cab 4WD $1,514 $757 $126
Dodge Ram Quad Cab SLT 4WD $1,290 $645 $108
Ford Escape XLT 4WD $906 $453 $76
Ford F-150 XL Regular Cab 2WD $1,140 $570 $95
Ford Focus SE 2-Dr Coupe $1,956 $978 $163
GMC Sierra SLE Crew Cab 4WD $1,698 $849 $142
Honda Accord LX-S 2-Dr Coupe $1,486 $743 $124
Honda CR-V LX 2WD $986 $493 $82
Honda Civic LX 2-Dr Coupe $1,822 $911 $152
Honda Odyssey EX-L $1,236 $618 $103
Hyundai Sonata GLS 4-Dr Sedan $1,376 $688 $115
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,400 $700 $117
Nissan Altima 2.5 S 4-Dr Sedan $1,482 $741 $124
Toyota Camry LE $1,396 $698 $116
Toyota Corolla LE $1,672 $836 $139
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in zip code location which can modify coverage prices significantly.

Laguna Beach insurance premiums by gender and age

The diagram below illustrates the difference between car insurance costs for male and female drivers in Laguna Beach. The information is based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no other discounts are factored in on a Toyota Camry SE.

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

Do you need full coverage?

The chart below illustrates the difference between Ford Fusion premium costs with liability coverage only compared to full coverage. The data is based on no violations or accidents, $500 deductibles, single male driver, and no discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no clear-cut rule to drop comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Ford Fusion settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 a year for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Discount Laguna Beach insurance rates

Car insurance companies don't list all possible discounts in a way that's easy to find, so the list below gives a summary of a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy Laguna Beach car insurance online.Insurance discounts

You can save money using discounts, but some credits don't apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like it's possible to get free car insurance, insurance companies wouldn't stay in business.

If you would like to see a list of insurers who offer insurance discounts in California, click here.

Tailor your insurance coverage to you

When quoting and choosing adequate coverage for your vehicles, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.Insurance savings

Here are some questions about coverages that might point out whether you could use an agent's help.

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Shop smart and save

As you shop your coverage around, you should never reduce needed coverages to save money. There are too many instances where an insured cut collision coverage and learned later that the savings was not a smart move. Your objective should be to buy enough coverage at the best cost, but do not skimp to save money.

People switch companies for many reasons like delays in paying claims, poor customer service, not issuing a premium refund or delays in responding to claim requests. It doesn't matter what your reason, switching car insurance companies is actually quite simple.

Lower-priced car insurance in Laguna Beach can be found online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide internet price quotes and usually these regional insurance providers sell through local independent agents.

Even more information can be found at these sites: