Wish you could get out of an underperforming, overpriced insurance policy? It's a common feeling and many consumers are feeling buyer's remorse and feel like there's no way out.
Astonishing but true, the vast majority of insurance customers have purchased from the same company for over three years, and nearly half have never quoted insurance rates at all. With the average premium in California being $1,400, drivers could pocket almost 35% a year by just shopping around, but they don't know the amount of savings they would get if they switched to a cheaper policy. With so many insurance companies to choose from, it's nearly impossible to locate the most cost effective insurance company.
You should make it a habit to compare prices every six months because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on insurance at your last renewal there may be better deals available now. Ignore everything you know about insurance because we're going to show you the best way to save money, get proper coverage and the best rates.
The providers in the list below offer price quotes in California. To locate cheap auto insurance in California, we recommend you compare several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LS||$1,298||$649||$108|
|Chevrolet Silverado LT Regular Cab||$1,668||$834||$139|
|Dodge Ram Crew Cab ST 2WD||$1,458||$729||$122|
|Ford Escape XLT 2WD||$1,324||$662||$110|
|Ford F-150 Lariat Super Cab 2WD||$1,800||$900||$150|
|Ford Focus SES 2-Dr Coupe||$1,494||$747||$125|
|Honda Accord LX 4-Dr Sedan||$986||$493||$82|
|Honda CR-V EX 2WD||$1,272||$636||$106|
|Honda Civic EX-L 2-Dr Coupe||$1,276||$638||$106|
|Kia Optima LX||$1,250||$625||$104|
|Nissan Altima Hybrid 4-Dr Sedan||$1,102||$551||$92|
|Toyota Camry Hybrid||$1,410||$705||$118|
|Toyota Corolla XLE||$1,230||$615||$103|
|Toyota RAV4 Sport 4WD||$1,538||$769||$128|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,264||$632||$105|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes greatly.
Policy deductible comparison
The example below shows how different deductible levels and can raise or lower Honda Accord insurance prices for different age categories. The information is based on a married male driver, comp and collision included, and no discounts are taken into consideration.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance is not optional
Even though it's not necessarily cheap to insure a vehicle in Manteca, maintaining insurance may not be optional for several reasons.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, most banks will require you to have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your vehicle at a more expensive rate and require you to fork over much more than you were paying before.
Third, insurance protects not only your vehicle but also your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying over $855 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.
Components of your auto insurance premiums
Lots of factors are used when you get a price on insurance. A few of the factors are predictable like an MVR report, but other factors are less apparent such as whether you are married and annual miles driven.
The factors shown below are some of the factors used by insurance companies to determine premiums.
Save money by having responsible credit - Having a bad credit score is likely to be a major factor in your rate calculation. Insureds with very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit history is lower than you'd like, you could be paying less to insure your vehicle by spending a little time repairing your credit.
Vehicles with better crash test results cost less to insure - Safer cars can get you lower premiums. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries means less claims paid which can mean better rates for you. If your car or truck scored better than four stars on Safercar.gov it may cost less to insure.
Do you really need to file that insurance claims? - Insurance companies in California give the lowest premiums to drivers who file claims infrequently. If you're an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.
Traffic violations increase prices - Good drivers pay less for auto insurance than their less careful counterparts. Having just one speeding ticket may increase your cost by as much as twenty percent. Drivers unfortunate enough to have careless violations like DUI or reckless driving may be required to complete a SR-22 with their state's licensing department in order to keep their license.
Save money with discounts
Insurance can cost an arm and a leg, but you might be missing out on some discounts that could help you make your next renewal payment. Some trigger automatically when you quote, but lesser-known reductions have to be specially asked for in order for you to get them.
- Discounts for Good Drivers - Drivers without accidents can get discounts for up to 45% lower rates than less cautious drivers.
- Multi-policy Discount - If you can combine your auto and home policy and place coverage with the same company you may earn approximately 10% to 15%.
- Paper-free Discount - Some insurance companies provide a small discount for buying your policy on the internet.
- Federal Employees - Employees or retirees of the government can save as much as 8% depending on your company.
- Air Bags and Passive Restraints - Vehicles with factory air bags or automatic seat belts may get savings of 25 to 30%.
As is typical with insurance, some credits don't apply to the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, it doesn't quite work that way.
To see a list of insurance companies with discount rates in California, click here.
When should I contact a local insurance agent?
Many people still prefer to have an agent's advice and that can be a smart move Professional insurance agents can help you choose the best coverages and help file insurance claims. One of the best bonuses of getting free rate quotes online is that you can find the lowest rates and also buy local.
Upon completion of this simple form, the quote information is sent to local insurance agents in Manteca that give free quotes for your insurance coverage. It's much easier because you don't need to do any legwork because quoted prices will be sent to you directly. If you need to get a comparison quote from one company in particular, don't hesitate to visit that company's website and complete a quote there.
Selecting a insurer should include more criteria than just a cheap quote. These are some questions your agent should answer.
- Who are their largest clients?
- Is there a 24/7 contact number?
- Do they have a Better Business Bureau rating in Manteca?
- Does the company use OEM repair parts?
- Has the agent ever had any license suspensions?
- Which members of your family are coverage by the policy?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they offer rental car reimbursement?
Types of car insurance agents in Manteca
When looking for a local insurance agency, it's important to understand the types of agencies and how they are slightly different. Insurance policy providers are classified as either exclusive agents or independent agents. Either can provide insurance policies, but it's important to know the differences since it can impact the type of agent you choose.
Exclusive Insurance Agents
Agents of this type have only one company to place business with such as AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so always compare other rates. Exclusive agencies are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums.
Independent Agents (or Brokers)
Agents in the independent channel often have many company appointments and that enables them to quote your coverage through many companies enabling the ability to shop coverage around. If they quote lower rates, your agent can just switch to a different company and you won't have to switch agencies.
When comparison shopping, you will want to get some free quotes from a few independent agents so that you have a good selection of quotes to compare.
One last thing about your coverage
In this article, we covered a lot of information how to compare car insurance prices in Manteca. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.
Lower-priced car insurance in Manteca is available from both online companies and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some companies may not have online price quotes and usually these small insurance companies prefer to sell through independent insurance agencies.
More tips and info about car insurance is located by following these links:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- What Car Insurance is Cheapest for a Ford Explorer in California? (FAQ)
- What is the Cheapest Auto Insurance in Oakland, California? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Institute)