I can't think of a single person who anticipates paying for auto insurance, particularly when the cost is too high.

Sadly, a large majority of drivers have purchased from the same company for more than four years, and virtually 40% of consumers have never compared rate quotes at all. Most drivers in Redding can cut their rates by up to 35% a year just by getting comparison quotes, but most just don't grasp the amount of money they would save if they changed companies.

Because you have many options when it comes to auto insurance, it can be impossible to find a more affordable auto insurance company.

You should take the time to do price comparisons yearly because prices fluctuate regularly. Even if you think you had the best quotes on auto insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we're going to show you one of the quickest ways to find lower rates on auto insurance.

Locating the most cost-effective insurance policy in Redding is really quite simple as long as you have a good starting point. Basically, anyone who requires lower cost insurance will probably find a better price. But California vehicle owners do need to learn the way companies sell online and use it to find better rates.

To find cheap Redding car insurance quotes, there are several ways of comparing rate quotes from many insurance companies in California. The simplest method to compare rates is to jump online and get quotes.

Comparing free rates online is easy and it, takes the place of having to call or drive to local Redding insurance agencies. The ability to get quotes online eliminates the middleman unless you have a need for the guidance only provided by licensed Redding agents. Drivers can get the lowest quotes online but buy the policy through an agent. When comparing insurance rates, know that quoting more helps you find a better price. Not every company provides online price quotes, so you need to compare price quotes from them as well.

The following companies provide price quotes in Redding, CA. To get the best auto insurance in California, we recommend you visit as many as you can to get the best price comparison.

Insurance Rates for Popular Vehicles in Redding
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,364 $682 $114
Chevrolet Impala LS $1,500 $750 $125
Chevrolet Silverado LTZ Extended Cab 2WD $1,592 $796 $133
Dodge Grand Caravan SXT $1,048 $524 $87
Dodge Ram Crew Cab TRX 4WD $1,574 $787 $131
Ford Escape Limited 2WD $1,066 $533 $89
Ford F-150 XLT Crew Cab 4WD $1,576 $788 $131
Ford Focus SES 2-Dr Coupe $1,566 $783 $131
Honda Accord LX-P 4-Dr Sedan $1,452 $726 $121
Honda CR-V EX 2WD $868 $434 $72
Honda Civic SI 2-Dr Coupe $2,018 $1,009 $168
Hyundai Elantra SE 4-Dr Sedan $1,232 $616 $103
Nissan Altima 2.5 S 4-Dr Sedan $1,664 $832 $139
Toyota Camry XLE $1,840 $920 $153
Toyota Corolla XLE $1,664 $832 $139
Volkswagen Jetta 2.0T 4-Dr Sedan $1,660 $830 $138
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can change premiums greatly.

Full coverage rates vs. liability-only in Redding

The chart below visualizes the comparison of Honda Civic car insurance costs with full coverage compared to only the California minimum liability coverage. Data assumes no claims or violations, $1,000 deductibles, single female driver, and no policy discounts are applied.

Honda Civic 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 written rule of when to drop physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's say your Honda Civic book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If you are paying over $700 a year for physical damage coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Insurance losses by coverage

Are you driving a vehicle that ranks high in claims? The tables below list the highest and lowest vehicle models for the probability of having large claims for each type of coverage.

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Dodge Charger
Ford F-250 SuperCrew Nissan Versa
Tesla Model S Chevrolet Sonic
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford Expedition Mitsubishi Mirage
Land Rover Range Rover Sport Kia Forte

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Leaf Bentley Continental GTC
Ford F-350 BMW M6
Chevy Spark Maserati Granturismo
Infiniti QX50 Bentley Continental GT
Smart ForTwo Mercedes-Benz S Class

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Ferrari 458
Ford F-250 SuperCab BMW 6 Series
GMC Canyon BMW M6
Jeep Wrangler Maserati Granturismo
Nissan Xterra Audi RS7
Ford Edge Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Subaru Forester Chevrolet Sonic
Chevrolet Corvette Mitsubishi Lancer
Volvo XC60 Kia Optima
Subaru Outback Kia Rio
Acura MDX Hyndai Accent
Audi A6 Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years