Would you like an easy way to compare more competitive car insurance rates in Vacaville, CA? Paying low cost prices for car insurance is nearly impossible for beginners to online insurance quotes. There are so many companies to choose from that it can easily become more work than you anticipated to find better rates on car insurance.
Amazingly, a recent NerdWallet.com study showed that 70% of consumers have been with the same company for more than four years, and approximately 40% of consumers have never taken the time to shop around. Consumers in California could save up to 35% each year by just shopping around, but most undervalue the benefits if they switched.
It's a good habit to price shop coverage at least once a year because car insurance rates are constantly changing. Just because you found the lowest rate on car insurance six months ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because it's time to teach you one of the easiest ways to lower your annual insurance bill.
Buying the cheapest insurance in Vacaville is actually quite easy if you know where to start. Practically every car owner who requires lower cost insurance will more than likely find a lower-cost policy. Nevertheless, California vehicle owners do need to understand how companies market insurance on the web and use it to find better rates.
Vacaville car insurance premiums are influenced by these factors
Lots of factors are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are not quite as obvious such as your credit history or your vehicle rating.
Safer cars means lower rates - Cars with five star safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy. If your car is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Guys tend to take more risk - Over time, data shows that men are more aggressive behind the wheel. This data doesn't prove that females are better at driving than males. Both genders cause fender benders in similar numbers, but men get into accidents with more damage. Men also tend to get more serious tickets like driving under the influence (DUI).
Policy add-ons may be wasting money - There are quite a few extra coverages that you can get tricked into buying on your policy. Things like rental car reimbursement, towing, and term life insurance are probably not needed. They may seem good when discussing your needs, but if you have no use for them think about removing them and cutting costs.
Prices and job - Occupations like real estate brokers, social workers and stock brokers tend to have higher rates than average because of intense work requirements and lots of time spent away from family. Conversely, jobs like scientists, students and retirees receive lower rates.
Insurance rates and vehicle performance - The make and model of the car or truck you are trying to find cheaper insurance for makes a huge difference in your rates. Small economy passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.
Insurance is expensive for teen drivers - Older drivers are more responsible, statistically cause fewer accidents, and usually have better credit.Inexperience drivers are statistically proven to be less responsible with other occupants in the car therefore car insurance rates are much higher.
Know your credit rating - Your credit score is likely to be a major factor in your rate calculation. Insureds that have good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit history can use some improvement, you may save money insuring your vehicle by improving your credit score.
Responsible drivers pay lower rates - Careful drivers pay less for auto insurance than bad drivers. Even a single speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who have gotten serious tickets like hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to legally drive.
The best way to get rate comparisons is to know all the major auto insurance companies participate in a system to give free rates quotes. The one thing you need to do is provide a little information like your credit rating estimate, the type of vehicles you drive, coverage limits, and your education level. Your details is automatically sent to multiple companies and you should receive rate quotes with very little delay.
To check car insurance prices now, click here then complete the form.
The providers in the list below provide price comparisons in Vacaville, CA. If you wish to find cheaper car insurance in California, we suggest you visit two to three different companies in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,916||$958||$160|
|Chevrolet Malibu LTZ||$1,698||$849||$142|
|Chevrolet Silverado LT Extended Cab 4WD||$1,490||$745||$124|
|Dodge Ram Quad Cab SLT 4WD||$1,490||$745||$124|
|Ford Escape XLT 4WD||$1,290||$645||$108|
|Ford F-150 XLT Super Cab 2WD||$1,220||$610||$102|
|Ford Focus S 4-Dr Sedan||$1,462||$731||$122|
|Honda Accord EX 2-Dr Coupe||$1,494||$747||$125|
|Honda CR-V EX-L 2WD||$1,336||$668||$111|
|Honda Civic EX-L 2-Dr Coupe||$1,276||$638||$106|
|Hyundai Elantra SE Touring Station Wagon||$1,238||$619||$103|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,502||$751||$125|
|Nissan Altima 2.5 4-Dr Sedan||$1,296||$648||$108|
|Nissan Rogue S 2WD||$1,492||$746||$124|
|Toyota Camry SE||$1,874||$937||$156|
|Toyota Corolla XRS||$1,660||$830||$138|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,800||$900||$150|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in zip code location which can impact coverage rates noticeably.
Policy deductible comparison
The illustration below illustrates how your choice of deductibles and can change Honda Accord annual premium costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Impact of citations and accidents on insurance rates
The example below demonstrates how speeding tickets and at-fault claims can raise Honda Civic auto insurance costs for different age groups. The costs are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
Vacaville insurance rates: Men versus women
The illustration below shows the comparison of car insurance costs for male and female drivers in Vacaville. The information is based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied on a Honda Pilot EX.
Honda Pilot rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Choosing the best vehicle insurance in California is an important decision
Despite the high insurance cost in Vacaville, buying car insurance may not be optional for several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to drive the car. 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 took out a loan on your car, most lenders will require that you buy insurance to protect their interest in the vehicle. If the policy lapses, the bank may insure your vehicle at a significantly higher premium and require you to fork over the higher price.
Third, insurance safeguards both your car and your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your vehicle definitely exceed the cost, especially for larger claims. The average driver in California is overpaying more than $830 a year so you should quote your policy with other companies every year to make sure the price is not too high.
Get cheaper auto insurance with discounts
Some insurers don't always publicize all their discounts in an easy-to-find place, so here is a list some of the more common as well as some of the hidden auto insurance savings.
- Clubs and Organizations - Belonging to qualifying clubs or civic groups could trigger savings when shopping for auto insurance.
- Military Deployment Discount - Being deployed with a military unit can result in better prices.
- Anti-theft System - Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
- Distant College Student Discount - Children who attend college more than 100 miles from Vacaville and do not take a car to college may qualify for this discount.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll and complete driver's education if offered at their school.
- Senior Citizen Discount - Seniors can possibly qualify for a discount up to 10%.
- ABS Brakes - Cars and trucks with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
- Low Miles Discount - Fewer annual miles could be rewarded with substantially lower prices.
- Drive Safe and Save - Accident-free drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
As is typical with insurance, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Despite the appearance that you could get a free auto insurance policy, it's just not the way it works.
A partial list of companies that may include most of these discounts may include but are not limited to:
When getting free Vacaville auto insurance quotes, it's a good idea to every company to apply every possible discount. Some credits may not apply to policies in every state.
One last thing about your coverage
When you buy Vacaville auto insurance online, never skimp on coverage in order to save money. In many instances, an insured dropped collision coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.
Insureds leave their current company for a variety of reasons including poor customer service, unfair underwriting practices, policy non-renewal or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
We've covered many ways to get a better price on insurance in Vacaville. The key concept to understand is the more you quote Vacaville auto insurance, the higher the chance of saving money. You may even find the lowest prices are with an unexpected company.
More learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- Who Has the Cheapest California Auto Insurance for Drivers with Good Credit? (FAQ)
- What Car Insurance is Cheapest in Huntington Beach, California? (FAQ)
- Who Has Affordable California Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has the Cheapest California Car Insurance for Real Estate Agents? (FAQ)
- How Much is Auto Insurance for a Honda Civic in California? (FAQ)
- How Much is California Car Insurance for a Chevrolet Silverado? (FAQ)
- What is the Best Car Insurance in Moreno Valley, California? (FAQ)
- Which Company has the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
- What is a Telematics Device? (Allstate)
- Teen Driving Statistics (iihs.org)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)