Trying to find cheap auto insurance can be quite difficult for people new to shopping for insurance online. You have so many options that it can quickly become a real difficult job to find the best premium rates.

Shocking but true, 70% of consumers have been with the same company for at least the last four years, and 38% of customers have never quoted rates to find cheap coverage. Most drivers in California could save an average of roughly $470 each year by just comparing quotes, but they don't know the benefits if they moved their coverage to a different company.

It's important to price shop coverage before your policy renews because prices trend upward over time. If you had the best price on auto insurance a few years ago you will most likely find a better rate quote today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the fastest way to find great coverage at a great price.

When quoting car insurance, remember that more quotes helps you find the best price. Not every company provides online rate quotes, so it's recommended that you also compare quotes on coverage from those companies, too.

The companies shown below are ready to provide free rate quotes in Porterville, CA. If you wish to find the cheapest car insurance in California, we suggest you click on several of them to get the cheapest price.

Insurance Price Estimates for Popular Vehicles in Porterville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,702 $851 $142
Chevrolet Silverado LTZ Extended Cab 2WD $1,978 $989 $165
Dodge Grand Caravan CV $1,438 $719 $120
Dodge Ram Crew Cab TRX 2WD $1,122 $561 $94
Ford Edge SE AWD $1,298 $649 $108
Ford Escape XLS 2WD $1,094 $547 $91
Ford Explorer Limited AWD $1,604 $802 $134
Ford F-150 XLT Regular Cab 2WD $1,442 $721 $120
Ford Focus SES 2-Dr Coupe $1,750 $875 $146
GMC Sierra SLE Crew Cab 4WD $1,324 $662 $110
Honda Accord EX 2-Dr Coupe $1,700 $850 $142
Honda CR-V EX 4WD $1,126 $563 $94
Honda Civic VP 4-Dr Sedan $1,060 $530 $88
Nissan Altima 3.5 SR 4-Dr Sedan $1,452 $726 $121
Nissan Rogue S AWD $1,860 $930 $155
Toyota Camry Hybrid $1,592 $796 $133
Toyota Corolla XLE $1,280 $640 $107
Toyota Prius $984 $492 $82
Toyota Tacoma X-Runner 2WD $1,454 $727 $121
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in your specific Porterville location which can affect rates significantly.

Cautious drivers save money

The example below illustrates how traffic citations and at-fault claims can influence Toyota Corolla premium costs for different insured age categories. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

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

Price comparison of only insuring for liability

The diagram below examines Nissan Altima auto insurance costs with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, single female driver, and no discounts are applied.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying physical damage coverage

There is no exact formula for phasing out comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Nissan Altima settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying more than $300 annually for full coverage, then you may want to consider only buying liability coverage.

There are some situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

These discounts can lower your car insurance quotes

Some providers don't always publicize all available discounts in a way that's easy to find, so here is a list both the well known as well as the least known credits available to lower your premiums when you buy Porterville auto insurance online. If they aren't giving you every credit you deserve, you could be paying more than you need to.Car insurance discounts

Discounts lower rates, but most discounts do not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, it just doesn't work that way.

Large car insurance companies and some of their more popular discounts are included below.

Before purchasing a policy, check with every company how many discounts you can get. Some discounts may not be offered everywhere. To find car insurance companies with the best car insurance discounts in Porterville, click this link.

Smart buyers can cut their auto insurance rates

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your auto insurance rates. When you understand what determines base rates, this allows you to make educated decisions that could help you find lower auto insurance prices.

Liability protection risk factors in - Your policy's liability coverage will provide protection if ever you are ruled to be at fault for causing personal injury or damage in an accident. It will provide legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Lower rates with a multi-policy discount - The majority of insurance companies afford a discount for people who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still get quotes from other companies to make sure you are getting the best deal.

High insurance claims frequency drives up prices - If you tend to file frequent claims, you can look forward to higher rates. Insurance companies in California give the best rates to people who are claim-free. Your insurance policy is designed for the bigger claims that can't be paid out-of-pocket.

Cheaper rates with high physical damage deductibles - Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.

Better premiums for uninterrupted coverage - Allowing your coverage to lapse is a fast way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance could earn you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.

Here's why car insurance is not optional

Despite the fact that car insurance is not cheap in Porterville, paying for car insurance may be required for several reasons.

The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $850 per year so you should quote rates each time the policy renews to make sure the price is not too high.

Cheap coverage is out there

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

A few companies may not have the ability to get a quote online and usually these regional carriers sell through independent insurance agencies. Cheaper auto insurance in Porterville can be bought both online in addition to many Porterville insurance agents, and you need to comparison shop both to have the best rate selection.

Insureds change insurance companies for any number of reasons including policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers and even high rates after DUI convictions. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

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