How many times have you told yourself to find more competitive insurance rates in San Ramon, CA? Do you get exhausted from paying out the nose to pay high insurance rates every month? You have the same problem as many other California consumers.
Unimaginable but true, the vast majority of consumers have remained with the same insurance company for over three years, and almost half have never even compared rates from other companies. San Ramon consumers could save as much as $470 a year by just comparing quotes, but they just don't understand the amount of savings they would get if they switched to a more affordable policy. There are many insurance companies to choose from, and even though it's nice to have multiple companies, more choices can make it harder to find the best rates.
Auto insurance companies in San Ramon
The providers in the list below are our best choices to provide free quotes in San Ramon, CA. To find cheap auto insurance in California, it's highly recommended you visit as many as you can to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$1,232||$616||$103|
|Chevrolet Equinox LS AWD||$1,234||$617||$103|
|Chevrolet Impala LTZ||$1,482||$741||$124|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,708||$854||$142|
|Dodge Ram Crew Cab Sport 2WD||$1,800||$900||$150|
|Ford Edge SEL 2WD||$1,298||$649||$108|
|Ford Escape XLS 2WD||$1,324||$662||$110|
|Ford F-150 FX2 2WD||$1,566||$783||$131|
|Ford Focus SE 4-Dr Sedan||$1,158||$579||$97|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,810||$905||$151|
|Honda Accord LX-P 4-Dr Sedan||$886||$443||$74|
|Honda CR-V LX 4WD||$1,324||$662||$110|
|Honda Civic VP 4-Dr Sedan||$1,600||$800||$133|
|Honda Odyssey EX-L W/Rear Entertainment||$1,280||$640||$107|
|Nissan Altima 2.5 4-Dr Sedan||$1,186||$593||$99|
|Toyota Camry LE||$1,722||$861||$144|
|Toyota Corolla XRS||$1,490||$745||$124|
|Toyota Tacoma 2WD||$1,418||$709||$118|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can impact rates noticeably.
Physical damage deductible comparison
The information below illustrates how your deductible choice and can increase or decrease Toyota Corolla insurance costs for different ages of insureds. The prices are based on a single female driver, full coverage, and no discounts are applied to the premium.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison of full coverage and liability-only
The example below illustrates the comparison of Chevrolet Silverado insurance rates when comparing full coverage to state minimum liability only. The rates are based on no claims or driving violations, $250 deductibles, single male driver, and no additional discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you be buying full coverage?
There is no set guideline to drop physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's pretend your Chevrolet Silverado book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying more than $500 a year for your policy with full coverage, then it's probably a good time to buy liability coverage only.
There are a few cases where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Violations and accidents raise rates
The information below demonstrates how speeding tickets and at-fault fender-benders increase Dodge Ram insurance costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Discounts can help lower rates on auto insurance
Auto insurance companies don't necessarily list every discount in an easy-to-find place, so we break down both well-publicized as well as some of the hidden savings tricks you should be using when you buy San Ramon auto insurance online.
- First Accident Forgiveness - This isn't a discount exactly, but some insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
- Senior Citizens - Seniors may qualify for a small discount on rates.
- Multiple Policy Discount - If you combine your auto and home policies with the same insurance company you may save nearly 15% which can help you find inexpensive San Ramon auto insurance.
- Membership in Organizations - Belonging to certain professional organizations could earn you a nice discount on your next renewal.
- Responsible Driver Discounts - Insureds without accidents can save up to 40% or more on their San Ramon auto insurance quote than drivers with accidents.
- Discount for Swiching Early - Some insurance companies reward drivers for switching companies before your current policy expires. This can save 10% or more.
- Driver's Ed - It's a good idea to have your young drivers enroll in driver's education if it's offered in school.
- Defensive Driver Discount - Taking a class that teaches safe driver techniques could earn you a small percentage discount and make you a better driver.
Drivers should understand that most discount credits are not given to the entire cost. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it's just not the way it works.
To see a list of insurance companies with significant discounts in San Ramon, click here to view.
Get more affordable costs by understanding these factors
Consumers need to have an understanding of the different types of things that aid in calculating the price you pay for insurance. If you have some idea of what influences your rates, this enables you to make decisions that can help you get lower insurance prices. Lots of things are considered when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are not quite as obvious such as your marital status or how safe your car is.
Liability coverage claims can be big - A critical coverage on your policy, liability insurance is the protection in the event that you are determined to be liable for damages from an accident. Your liability coverage provides for a legal defense which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Does car insurance cost more for guys? - Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn't prove that men are WORSE drivers than women. They both cause auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
Marriage discount - Walking down the aisle may save some money when buying insurance. Having a spouse demonstrates that you tend to be more mature and responsible and it's statistically proven that drivers who are married are more cautious.
Coverage lapses lead to higher premiums - Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance will get you a license revocation or jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the California DMV.
Will just any policy work for me?
When quoting and choosing the best car insurance coverage, there really isn't a perfect coverage plan. Everyone's needs are different and your policy should reflect that. For example, these questions may help you determine if your insurance needs may require specific advice.
- Why am I required to buy high-risk coverage?
- Do all my vehicles need collision coverage?
- Do I pay less for low miles?
- How can I get my company to pay me more for my totalled car?
- Does coverage follow the driver or the vehicle?
- Do I need rental car coverage?
- Am I covered if I crash into my own garage door?
If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.
Persistence pays off
In this article, we covered quite a bit of information on how to find cheaper coverage online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the most savings is with the smaller companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.
Some companies may not provide rate quotes online and many times these smaller providers sell through local independent agents. Affordable insurance in San Ramon is possible from both online companies as well as from independent agents in San Ramon, so you need to compare both in order to have the best price selection to choose from.
Additional insurance information is available at the links below
- Cellphones, Texting and Driving (iihs.org)
- Who Has Cheap California Auto Insurance Quotes for Lyft Drivers? (FAQ)
- Who Has Cheap California Auto Insurance for a 20 Year Old Female? (FAQ)
- Which Company has the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
- How Much are California Car Insurance Rates for a Chevrolet Equinox? (FAQ)
- Information for Teen Drivers (GEICO)
- Electronic Stability Control FAQ (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)