Are you trying to find the cheapest insurance rates in Reedley, CA? Having to pay for overpriced insurance in Reedley can bottom out your monthly budget and maybe even restrict other spending.

Unthinkable but true, almost 70% of insureds have remained with the same insurance company for at least four years, and virtually 40% of consumers have never compared rates with other companies. Drivers in Reedley can save hundreds of dollars each year by just shopping around, but they don't know the actual amount they would save if they changed companies.

Because you have many companies to choose from , it can be diffult for drivers to pick the lowest cost insurance provider.

Car insurance providers offering cheap rates in California

The car insurance companies shown below can provide quotes in California. If you wish to find the best auto insurance in California, we recommend you visit several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Reedley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,488 $744 $124
Chevrolet Silverado LT Regular Cab 2WD $1,668 $834 $139
Dodge Ram Quad Cab Sport 4WD $2,020 $1,010 $168
Ford Edge SE AWD $1,450 $725 $121
Ford Escape Limited 4WD $1,238 $619 $103
Ford Explorer Eddie Bauer AWD $1,070 $535 $89
Ford F-150 Lariat Super Cab 4WD $1,604 $802 $134
Ford Focus SE 4-Dr Sedan $1,292 $646 $108
Ford Fusion Sport AWD 4-Dr Sedan $1,790 $895 $149
Honda Accord LX-P 4-Dr Sedan $1,482 $741 $124
Honda CR-V EX 4WD $1,016 $508 $85
Honda Civic Hybrid 4-Dr Sedan $1,676 $838 $140
Hyundai Elantra SE Touring Station Wagon $1,078 $539 $90
Hyundai Sonata GLS 4-Dr Sedan $1,252 $626 $104
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,238 $619 $103
Nissan Altima 2.5 S 2-Dr Coupe $1,388 $694 $116
Toyota Camry XLE $1,232 $616 $103
Toyota Corolla XLE $1,606 $803 $134
Toyota RAV4 Limited 4WD $1,722 $861 $144
Volkswagen Jetta S 4-Dr Sedan $1,752 $876 $146
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can alter price quotes considerably.

Higher deductibles lower rates

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The rates below show the differences in price of buying low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.

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

Chevrolet Malibu insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $342 $576 $442 $26 $132 $1,543 $129
Malibu Hybrid $342 $576 $442 $26 $132 $1,543 $129
Malibu LT $386 $576 $442 $26 $132 $1,587 $132
Malibu LTZ $386 $678 $442 $26 $132 $1,689 $141
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Chevrolet Malibu insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $210 $362 $442 $26 $132 $1,172 $98
Malibu Hybrid $210 $362 $442 $26 $132 $1,172 $98
Malibu LT $238 $362 $442 $26 $132 $1,200 $100
Malibu LTZ $238 $426 $442 $26 $132 $1,264 $105
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can alter prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $33 more each month or $396 each year than choosing the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 23 months between claims, you would more than likely save some money if you choose a higher deductible. The table below illustrates a better example of how you can make your own decision.

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important sidenote is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will necessitate enough extra money in the event you need to pay more for the deductible.

Why your price might be higher

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that could result in lower premium levels.

Cheaper rates on car insurance with these discounts

Auto insurance companies do not list every available discount very well, so the next list breaks down some of the best known and also the lesser-known discounts you could be receiving when you buy Reedley car insurance online. If you don't get every credit you qualify for, you could be getting lower rates.Cheaper car insurance with discounts

Don't be shocked that most credits do not apply to the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, companies wouldn't make money that way.

Auto insurance companies that may offer quotes with some of the above discounts may include but are not limited to:

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not apply in Reedley. To view insurance companies who offer car insurance discounts in California, click this link.

Neighborhood insurance agents

Many people would prefer to go talk to an agent and that is not a bad decision A nice benefit of getting online price quotes is you may find cheaper prices and still choose a local agent.

Find insurance agent in ReedleyAfter filling out this quick form, your coverage information is emailed to local insurance agents in Reedley who want to provide quotes to get your business. There is no reason to leave your computer as quotes are delivered immediately to you. You can find the lowest rates without the usual hassles of price shopping. If you wish to compare prices from a particular provider, you would need to visit that company's website and fill out their quote form.

Finding the right provider requires more thought than just the premium amount. These are valid questions to ask:

If you are wanting to purchase insurance from a reliable agent, it's important to understand the types of insurance agents and how they function. Agents in Reedley can be described as either exclusive agents or independent agents.

Exclusive Insurance Agencies

Agents of this type can only place business with one company such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so they really need to provide good service. These agents are highly trained on their company's products which helps overcome the inability to quote other rates.

Independent Agents (or Brokers)

Independent insurance agents are not employed by one company and that is an advantage because they can write policies through lots of different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don't have to switch agencies. If you are trying to find cheaper rates, you definitely need to get quotes from multiple independent agents for the best price selection.

After receiving positive feedback for all questions you ask as well as cheaper Reedley car insurance quotes, it's possible that you found an insurance agent that can be trusted to adequately provide insurance.

Misconceptions in car insurance advertisements

Car insurance providers like 21st Century, Allstate and State Farm endlessly run ads on television and other media. All the companies make the same claim that you'll save big if you move your car insurance policy to them. That's great but how can every company offer drivers better rates? It's all in the words they use.

Insurance providers give the best rates for the type of insured that makes them money. One example of a driver they prefer might be described as over the age of 50, is a homeowner, and has great credit. A propective insured who meets those qualifications will probably get the lowest premium rates and is almost guaranteed to cut their rates substantially.

Drivers who fall short of this ideal profile will have to pay higher premiums which translates to the customer buying from a different company. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That is how companies can advertise the savings. This emphasizes why drivers must get a wide range of price quotes. You cannot predict the company that will have the best premium rates for your profile.

You can lower your auto insurance rates

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Some companies do not offer rate quotes online and usually these small, regional companies only sell coverage through local independent agents. Discount auto insurance is attainable online in addition to many Reedley insurance agents, so you need to compare both so you have a total pricing picture.

Much more information about auto insurance in California is available at these links: