Buying budget-priced quotes is somewhat difficult for drivers who are beginners to quoting and comparing rates on the internet. With so many insurance agents and companies, how can anyone have time to compare every company in order to find the lowest rates?

It's hard to fathom, but over 70% of consumers have purchased from the same company for four years or more, and nearly half have never even compared rates from other companies. With the average insurance premium being $1,400, San Diego drivers could save almost $470 each year just by shopping around, but they don't believe the amount of savings they would get if they replace their high priced policy.

Finding and buying the best-priced coverage in San Diego is not as hard as you may think. Practically every driver who shops around for auto insurance most likely will be able to reduce their rates. But California vehicle owners benefit from understanding how big insurance companies charge you for coverage and apply this information to your search.

Free San Diego car insurance quotes

Most major insurance companies allow consumers to get insurance quotes online. Obtaining pricing is pretty easy as you simply enter your personal and coverage information as requested by the quote form. When the form is submitted, their rating system obtains your credit score and driving record and returns pricing information.

Being able to quote online makes it simple to compare prices and it's also necessary to perform this step in order to get the best rate possible.

If you want to compare pricing, compare quotes from the companies shown below. To compare your current rates, we recommend you replicate the limits and deductibles identical to your current policy. This makes sure you are getting rate comparison quotes for the exact same coverage.

The following companies are our best choices to provide price quotes in San Diego, CA. If you want cheaper auto insurance in San Diego, CA, we suggest you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in San Diego
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,410 $705 $118
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,976 $988 $165
Ford Edge Limited AWD $1,626 $813 $136
Ford Escape XLS 4WD $1,134 $567 $95
Ford F-150 XL Regular Cab 2WD $1,078 $539 $90
Ford Focus SEL 4-Dr Sedan $1,798 $899 $150
Ford Fusion Sport AWD 4-Dr Sedan $1,382 $691 $115
GMC Sierra SLE Extended Cab 4WD $1,436 $718 $120
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V LX 4WD $1,002 $501 $84
Honda Civic DX 4-Dr Sedan $1,118 $559 $93
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,454 $727 $121
Nissan Altima 2.5 4-Dr Sedan $1,390 $695 $116
Nissan Rogue SL 2WD $1,416 $708 $118
Toyota Camry XLE $1,482 $741 $124
Toyota Corolla XRS $1,592 $796 $133
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,404 $702 $117
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in your specific San Diego location which can impact auto insurance rates substantially.

Cost comparison with and without full coverage

The information below shows the difference between Kia Optima auto insurance rates with full coverage and liability only. The prices are based on no accidents or driving violations, $250 deductibles, married female driver, and no policy discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

When to switch to liability coverage only

There is no set guideline to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Kia Optima settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Why you need to buy auto insurance

Despite the potentially high cost of auto insurance, buying auto insurance is a good idea for several reasons.

The benefits of insuring your vehicle are definitely more than the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $830 a year so shop around each time the policy renews to ensure rates are competitive.

Eight factors that affect insurance prices

Many factors are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, although others are less obvious such as your marital status or your financial responsibility. Part of the car insurance buying process is learning the rating factors that help calculate your premiums. If you know what impacts premium levels, this allows you to make good choices that could help you find lower premium levels.

GPS tracking and theft deterrents systems cut car insurance rates - Driving a car that has an advanced theft prevention system can help bring down rates. Theft deterrent systems such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.

Gender matters - Over the last 30 years, statistics show females are less aggressive when driving. However, don't assume that females are better drivers. Women and men are responsible for fender benders at a similar rate, but the male of the species have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving.

Teenage vs. mature drivers - Inexperience drivers have been known to be careless and easily distracted when behind the wheel so car insurance rates are higher. Having to add a beginning driver onto a policy will cause a huge premium hike. Mature drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit.

Insure your auto and home with one company - The majority of insurers provide discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. It's possible to still find lower rates by buying car insurance from a different company.

Raising comp and collision deductibles lowers premiums - Coverage for physical damage, also called 'full coverage', is used to repair damage to your vehicle. Some examples of covered claims are colliding with a building, hitting a deer, and burglary. Comp and collision deductibles define how much you are required to pay in the event of a claim. The more expense you choose to pay out-of-pocket, the lower your rates will be.

Premiums may be higher where you live - Choosing to live in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. Drivers who live in large California cities have to deal with more traffic problems and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.

Liability is cheap - The liability section of your policy will protect you when you are ruled to be at fault for damages from an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Marriage pays dividends - Having a spouse can get you a discount on your car insurance bill. Marriage demonstrates that you tend to be more mature and insurance companies like that married drivers tend to file fewer claims.

Discounts for cheap car insurance quotes

Companies that sell car insurance don't necessarily list every disount available in an easy-to-find place, so below is a list a few of the more common as well as some of the hidden ways to save on car insurance. If you do not check that you are getting every discount available, you could be saving more on your car insurance.Cheaper car insurance with discounts

It's important to note that most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, it's just not the way it works. Any amount of discount will cut your policy cost.

If you would like to see a list of insurance companies who offer cheap car insurance quotes in San Diego in San Diego, follow this link.

How much auto insurance do I need?

Keep in mind that when it comes to choosing coverage, there is no single plan that fits everyone. Your situation is unique and your auto insurance should be unique as well.Safe vehicles cost less to insure These are some specific questions can help discover whether or not you might need an agent's assistance.

If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

When do I need to talk to a local insurance agent?

A small number of people just want to get advice from a local agent and that is not a bad decision A good thing about getting free rate quotes online is that you can obtain the best rates and still have an agent to talk to. Buying insurance from local insurance agencies is definitely important in San Diego.

Insurance agency in San DiegoTo help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to local insurance agents who want to provide quotes to get your business. It's much easier because you don't need to do any legwork because prices are sent immediately to you. You can find the lowest rates and work with a local agent. If you have a need to compare prices from one company in particular, you would need to jump over to their website and submit a quote form there.

Listed below is a short list of insurers in San Diego that are able to give rate quotes.

View more agents

Finding a good company should depend on more than just the price. You should also get answers to these questions.

If you feel you receive positive responses to these questions and a low price estimate, it's possible that you found a company that meets the requirements to insure your vehicles. But keep in mind once you purchase a policy you can cancel a policy at any time so don't assume that you are permanently stuck with a policy indefinitely.

Claim statistics by make and model

Which vehicles tend to have fewer claims? The statistics below list the highest and lowest vehicle makes and models for likelihood of filing claims for each type of coverage.

Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo BMW M6
Chevy Spark Maserati Granturismo
Nissan Xterra Bentley Continental GT
Infiniti QX50 BMW M6
GMC Sierra 2500 Maserati Quattroporte
Nissan Leaf Bentley Continental GTC

Statistics from for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Car Insurance Liability Claims
Lowest Overall Losses Highest Overall Losses
Acura MDX Mitsubishi Mirage
Chevrolet Corvette Chevrolet Cruze
Subaru Outback Kia Rio
Mercedes-Benz SL Class Chrysler 200
Audi A6 Mitsubishi Lancer
Fiat 500 Kia Optima

Statistics from for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Kia Forte
Chevrolet Silverado 2500 Chevrolet Sonic
Ford F-250 SuperCrew Chevrolet Spark
Tesla Model S Nissan Sentra
Chevrolet Corvette Mitsubishi Mirage
Ford Expedition Nissan Versa

Statistics from for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Mini Cooper Audi RS7
Nissan Xterra Bentley Continental Flying Spur
Ford F-250 SuperCab Nissan GT-R
Ford F-150 SuperCrew BMW M6
Ford Edge Maserati Ghibli
GMC Canyon Bently Continental GT

Statistics from for 2013-2015 Model Years

Keep this in mind when shopping around

There are still a few companies who may not provide rate quotes online and usually these small, regional companies work with local independent agencies. Budget-friendly car insurance in San Diego is attainable on the web and also from your neighborhood San Diego agents, so compare prices from both to have the best selection.

In this article, we covered many tips how you can reduce car insurance premium rates online in San Diego. The most important thing to understand is the more you quote San Diego auto insurance, the better likelihood of getting cheap San Diego auto insurance quotes. Consumers may even find the most savings is with the smaller companies. They may only write in your state and offer lower prices as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about car insurance in California can be read on the following sites: