How many years has it been since you compared more competitive insurance rates in Port Hueneme, CA? Trying to come up with a payment for overpriced insurance can consume your budget and force you to make tough financial choices. Getting a rate comparison can help to make sure you're not throwing money away.

Sadly, most insurance policyholders have bought insurance from the same company for four years or more, and nearly half have never compared insurance rates at all. Consumers in Port Hueneme could pocket almost 35% a year, but they just don't understand the actual amount they would save if they changed companies. There are many auto insurance companies to pick from, and even though it's nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

It's a good idea to compare premium rates quite often because insurance prices are constantly changing. Even if you think you had the best rate on insurance a year ago a different company probably has better premium rates today. Ignore everything you know about insurance because it's time to teach you one of the best ways to find better rates and still maintain coverage.

Lower rate quotes on insurance with these five discounts

Car insurance companies don't always advertise every disount available in a way that's easy to find, so the following list contains a few of the more well known and also the lesser-known insurance savings. If they aren't giving you every credit possible, you're paying more than you need to.Cheaper insurance with discounts

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

A list of insurance companies and the discounts they provide are included below.

Before purchasing a policy, check with every prospective company how you can save money. Savings might not apply in every state. If you would like to choose from a list of insurers offering insurance discounts in Port Hueneme, click here to view.

Finding car insurance in Port Hueneme

Getting a cheaper price on insurance is actually easier than you may think. The only requirement is to take time to compare rates to see which company has the cheapest Port Hueneme auto insurance quotes.

It's so easy to compare rate quotes online that it makes it obsolete to drive around to local insurance agencies. Shopping for car insurance online makes this unnecessary unless your situation requires the extra assistance of a licensed agent. Although you can price shop online and still use a local Port Hueneme agent.

The providers in the list below are ready to provide free rate quotes in Port Hueneme, CA. To get cheaper car insurance in California, it's highly recommended you click on several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Port Hueneme
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $1,916 $958 $160
Chevrolet Impala LTZ $1,202 $601 $100
Chevrolet Silverado LS Crew Cab 2WD $1,704 $852 $142
Dodge Grand Caravan Hero $1,026 $513 $86
Dodge Ram Quad Cab Sport 2WD $1,790 $895 $149
Ford Escape XLS 2WD $1,134 $567 $95
Ford F-150 XL Crew Cab 2WD $1,476 $738 $123
Ford Focus SES 2-Dr Coupe $1,720 $860 $143
Honda Accord EX-L 4-Dr Sedan $1,238 $619 $103
Honda CR-V LX 2WD $1,138 $569 $95
Honda Civic Hybrid 4-Dr Sedan $1,324 $662 $110
Jeep Grand Cherokee SRT-8 4WD $1,422 $711 $119
Mazda 3 I SV 4-Dr Sedan $1,168 $584 $97
Nissan Altima Hybrid 4-Dr Sedan $1,830 $915 $153
Nissan Rogue S AWD $1,442 $721 $120
Toyota Camry XLE $1,482 $741 $124
Toyota Corolla XLE $1,568 $784 $131
Toyota Prius $1,278 $639 $107
Toyota RAV4 4WD $1,488 $744 $124
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in vehicle location which can influence coverage prices considerably.

Car insurance premiums by gender

The chart below illustrates the comparison of insurance costs for male and female drivers in Port Hueneme. The information is based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium on a Ford Escape Limited.

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

Rate difference between full and liability-only coverage

The example below illustrates the comparison of Chevrolet Malibu insurance prices with full coverage and liability only. The premiums assume a clean driving record, no claims, $500 deductibles, single male driver, and no policy discounts are applied.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no written rule for phasing out physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Chevrolet Malibu replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If you are paying over $500 annually to have full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Should you raise deductibles?

The hardest decision when buying coverage is which deductibles should you choose. The data tables below lay out the premium difference when you select higher and lower physical damage deductibles. The first rate comparisons uses a $250 deductible and the second rate chart uses a $500 deductible.

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

Toyota Camry insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $342 $576 $442 $26 $132 $1,543 $129
Camry SE $342 $678 $442 $26 $132 $1,645 $137
Camry XLE $342 $678 $442 $26 $132 $1,645 $137
Camry Hybrid $386 $678 $500 $30 $150 $1,769 $147
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Toyota Camry insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $278 $464 $442 $26 $132 $1,342 $112
Camry SE $278 $546 $442 $26 $132 $1,424 $119
Camry XLE $278 $546 $442 $26 $132 $1,424 $119
Camry Hybrid $314 $546 $500 $30 $150 $1,540 $128
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in vehicle location which can modify coverage prices substantially.

We can estimate from the data above that using a $250 deductible costs roughly $18 more each month or $216 annually than selecting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 14 months between claims, you would most likely save money by going with a higher deductible.

Insurance can be complex

Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your situation is unique.Insurance savings

For instance, these questions may help highlight if your situation could use an agent's help.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages - This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, damage from a tornado or hurricane and a broken windshield. The maximum payout your insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, X-ray expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision - This covers damage to your vehicle from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability - This provides protection from damage or injury you incur to other's property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, bail bonds, structural damage, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many California drivers have only the minimum liability required by law (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto insurance claim statistics

Is your vehicle a claim risk? The tables below list the best and worst makes and models for the probability of filing claims.

Vehicle Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 Mercedes-Benz S Class
Ford F-350 Bentley Continental GTC
Chevy Silverado 2500 Audi S7
Nissan Leaf BMW M6
Chevy Spark Maserati Granturismo
Nissan Xterra Porsche Panamera GTS

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 SuperCrew Kia Forte
Ford F-250 SuperCrew Chrysler 200
Ford Expedition Nissan Sentra
Tesla Model S Mitsubishi Mirage
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Silverado 2500 Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bentley Continental Flying Spur
Chevrolet Colorado Nissan GT-R
Nissan Xterra Bently Continental GTC
Mini Cooper BMW 6 Series
Ford F-250 SuperCab Maserati Ghibli
Ford F-150 SuperCrew Audi RS7

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Sonic
Acura MDX Chevrolet Cruze
Audi A6 Hyndai Accent
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Chrysler 200
Subaru Outback Kia Optima

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Find cheap rates by being thorough

People who switch companies do it for any number of reasons including policy cancellation, not issuing a premium refund, unfair underwriting practices or delays in responding to claim requests. It doesn't matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Affordable auto insurance in Port Hueneme is attainable both online in addition to local insurance agencies, so get free Port Hueneme auto insurance quotes from both of them in order to have the best chance of saving money. A few companies do not provide rate quotes online and usually these small, regional companies sell through independent agencies.

While you're price shopping online, you should never reduce needed coverages to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn't have enough coverage. Your goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

More detailed auto insurance information can be read at these sites: