Confused by the sheer number of auto insurance sources that you can choose from? Many other drivers are too. California people have so many sources available that it can turn into a challenge to find a more affordable company. Temecula is a great city to live in, but inflated auto insurance rates can make it difficult for lots of drivers to pay for enough auto insurance coverage.

Shockingly, most auto insurance customers have purchased from the same company for four years or more, and virtually 40% of consumers have never even compared rates from other companies. With the average premium in California being $1,400, drivers can cut their rates by nearly $470 a year by just comparing rate quotes, but most tend to underestimate how much money they would save if they just switched companies.

The most recommended method to get rate comparisons is to know the fact all the major auto insurance companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide details such as the year, make and model of vehicles, how old drivers are, level of coverage desired, and whether you are single or married. Your insurance information is instantly submitted to multiple companies and you receive quotes instantly.

If you wish to get multiple quotes for your car now, click here then complete the form.

The providers in the list below can provide comparison quotes in California. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Temecula
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,598 $799 $133
Dodge Ram Quad Cab Sport 2WD $1,412 $706 $118
Ford Edge Sport AWD $1,626 $813 $136
Ford Escape XLS 2WD $886 $443 $74
Ford F-150 Lariat King Ranch 4WD $1,484 $742 $124
Ford Focus SEL 4-Dr Sedan $1,396 $698 $116
Honda Accord EX 2-Dr Coupe $1,282 $641 $107
Honda CR-V EX 2WD $1,124 $562 $94
Honda Civic GX 4-Dr Sedan $1,344 $672 $112
Honda Odyssey EX-L $1,372 $686 $114
Jeep Grand Cherokee Limited 2WD $1,450 $725 $121
Nissan Altima 2.5 S 4-Dr Sedan $1,232 $616 $103
Toyota Camry SE $1,672 $836 $139
Toyota Corolla LE $1,280 $640 $107
Toyota RAV4 4WD $1,518 $759 $127
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific Temecula location which can revise price quotes significantly.

Gender differences in auto insurance premiums

The illustration below illustrates the difference between insurance rates for male and female drivers in Temecula. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied on a Hyundai Elantra GLS.

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

Cost of full coverage in Temecula

The illustration below shows the comparison of Toyota Camry car insurance costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no accidents or driving violations, $250 deductibles, single female driver, and no policy discounts are applied.

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

When to stop buying comprehensive and collision coverage

There is no definitive rule for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's say your Toyota Camry settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If it's costing you more than $400 annually to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not advised. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Check for these discounts on auto insurance

Companies that sell car insurance don't always list every possible discount very clearly, so the below list has both the well known and also the lesser-known credits available to lower your premiums when you buy Temecula car insurance online.Auto insurance discounts

Remember that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, that's just not realistic. But any discount will definitely lower the amount you have to pay.

A list of auto insurance companies and their possible discounts are:

Before purchasing a policy, check with each insurance company which discounts you qualify for. Depending on the company, some discounts may not apply everywhere. If you would like to see a list of insurance companies with significant discounts in Temecula, click here.

Insurance does more than just protect your car

Despite the high cost, insurance may be mandatory for several reasons.

The benefits of having insurance more than cancel out the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.

Compare rates but buy from a local neighborhood Temecula car insurance agent

Certain consumers still prefer to get professional advice from a licensed agent and we recommend doing that A good thing about price shopping on the web is you can get the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, the coverage information is sent to insurance agents in Temecula that give free quotes and help you find cheaper coverage. There is no reason to find an agent because quoted prices will be sent to the email address you provide. You can find the lowest rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific company, you would need to visit that company's website to submit a rate quote request.

Deciding on a insurer should include more criteria than just a cheap price quote. Below are some questions you should ask.

Auto insurance claim information

Which vehicles have good claim ratings? The following claim statistics show the highest and lowest cars and trucks for the overall chance of filing claims orgainized by coverage.

Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A6 Chevrolet Cruze
Subaru Forester Kia Optima
Subaru Outback Kia Rio
Mercedes-Benz SL Class Chevrolet Impala
Volvo XC60 Mitsubishi Mirage
Fiat 500 Chrysler 200

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

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevy Silverado 2500 Maserati Granturismo
Infiniti QX50 Bentley Continental GTC
Smart ForTwo Bentley Continental GT
Ford F-350 Maserati Quattroporte
Nissan Xterra Audi S7
GMC Sierra 2500 BMW M6

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

Medical Payment Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-350 SuperCrew Chrysler 200
Chevrolet Corvette Kia Forte
Audi A4 Allroad Hyundai Accent
Tesla Model S Nissan Sentra
Chevrolet Silverado 3500 Mitsubishi Lancer
Land Rover Range Rover Sport Mitsubishi Mirage

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

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Jeep Wrangler Bently Continental GTC
Mini Cooper Nissan GT-R
Ford F-150 SuperCrew BMW 6 Series
Ford Edge Bentley Continental Flying Spur
Nissan Xterra Bently Continental GT
Ford F-250 SuperCab Ferrari 458

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