Want to learn the secrets to finding the cheapest car insurance rates in Marina, CA? Pretty sure you bought an underperforming, overpriced car insurance policy? Believe me, you're not alone.

Unfortunately, the vast majority of consumers have stayed with the same insurance company for well over three years, and just short of a majority have never compared car insurance rates at all. With the average car insurance premium being $1,847, American drivers could save up to $850 a year, but most undervalue the big savings they would realize if they swap their current policy for a cheaper one. With vehicle owners having so many companies and agents to choose from, it is hard for the average consumer to choose a lower cost insurance company.

Obtaining price quotes for the best-priced protection in Marina is easy if you know what you're doing. If you're already insured or just want a better rate, you can learn to get lower rates without reducing coverage. Drivers just need to understand the least time-consuming way to quote multiple rates from many different companies.

Car insurance companies in Marina

The following companies have been selected to offer price comparisons in Marina, CA. To buy the best auto insurance in California, it's highly recommended you click on several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in Marina
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,132 $566 $94
Chevrolet Impala LT $1,342 $671 $112
Chevrolet Malibu LT $1,166 $583 $97
Chevrolet Silverado Crew Cab Hybrid 2WD $2,198 $1,099 $183
Dodge Grand Caravan Crew $1,416 $708 $118
Dodge Ram Quad Cab Sport 2WD $1,616 $808 $135
Ford Escape XLS 2WD $1,256 $628 $105
Ford F-150 Lariat Super Cab 4WD $1,404 $702 $117
Ford Focus SEL 4-Dr Sedan $1,608 $804 $134
Ford Fusion Hybrid 4-Dr Sedan $1,882 $941 $157
Honda Accord LX 4-Dr Sedan $1,452 $726 $121
Honda CR-V EX 2WD $1,228 $614 $102
Honda Civic LX 2-Dr Coupe $2,056 $1,028 $171
Jeep Grand Cherokee Laredo 2WD $1,372 $686 $114
Nissan Altima 2.5 S 4-Dr Sedan $1,230 $615 $103
Toyota Camry LE $1,348 $674 $112
Toyota Corolla S $1,202 $601 $100
Toyota Tacoma X-Runner 2WD $1,232 $616 $103
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can increase or decrease coverage prices noticeably.

Choosing deductibles

One of the most common car insurance questions is where to set your physical damage deductibles. The comparisons below highlight the cost difference when you buy lower versus higher physical damage coverage deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

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

Hyundai Sonata insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Get a Quote for Your Vehicle Go
Hyundai Sonata insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Get a Quote for Your Vehicle Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in garaging location in Marina which can affect coverage prices noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $33 more each month or $396 annually than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would come out ahead if you choose a higher deductible.

Should you buy full coverage?

The chart below shows the difference between Honda Accord auto insurance costs with and without physical damage coverage. The information is based on no accidents, no driving violations, $500 deductibles, married female driver, and no discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for dropping full coverage

There is no set guideline that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's pretend your Honda Accord book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Price influencing factors

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate your auto insurance rates. If you have a feel for what determines premiums, this empowers consumers to make smart changes that will entitle you to lower rates. Multiple criteria are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent such as your marital status or how financially stable you are.

The items below are just a few of the factors used by insurance companies to determine your premiums.

Poor driving habits leads to higher costs - Whether or not you get tickets influences premium rates substantially. Good drivers get better prices than bad drivers. Having just one citation may cause rates to rise substantially. Drivers who have gotten license-revoking violations such as DUI, reckless driving or excessive speeding are required to file a SR-22 with their state's licensing department in order to legally drive a vehicle.

Allowing your coverage to lapse raises prices - Allowing your auto insurance policy to lapse is a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, the inability to provide proof of insurance will get you fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.

The type of car, truck or SUV makes a difference - The make and model of the car or truck you drive makes a significant difference in your premium level. Small economy passenger vehicles generally receive the lowest base rates, but your final cost has many other factors.

Lower rates with a multi-policy discount - Some insurance companies will award a discount to clients that buy multiple policies. It's known as a multi-policy discount. Even if you're getting this discount it's always a smart idea to compare other company rates to confirm you are receiving the best rates possible.There is a good possibility that you can save even more than the discount by insuring with multiple companies.

High credit scores save money - Having a good credit score can be an important factor in determining premium rates. Drivers with high credit ratings tend to be more responsible than those with lower credit scores. If your credit rating can use some improvement, you could be paying less to insure your vehicle if you clean up your credit.

Alarm systems lower rates - Owning a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

Guys pay higher rates - Over time, data shows that women are safer drivers than men. Now that doesn't mean females are better drivers. Females and males are in fender benders in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).

High deductibles save money - Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply could be a windshield shattered by a rock, hitting a deer, and damage from a fallen tree branch. Your deductibles define the amount you are required to spend if the claim is covered. The more expense the insured is willing to pay, the less money you will pay for auto insurance.

Don't overlook these car insurance discounts

Car insurance is expensive, but you may find discounts that many consumers don't even know exist. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied before you will receive the discount.Discount car insurance

While discounts sound great, it's important to understand that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free car insurance policy, insurance companies wouldn't stay in business. But all discounts will positively reduce the cost of your policy.

A few popular companies and some of their more popular discounts are shown below.

Check with each insurance company which discounts you may be entitled to. Savings might not be offered on policies in Marina.

Compare rate quotes but work with a local Marina insurance agency

Some consumers prefer to talk to a local agent and we recommend doing that Licensed agents can help you build your policy and will help you if you have claims. A good thing about comparing insurance online is that you can obtain the lowest rates and still buy from a local agent. And providing support for neighborhood insurance agencies is important particularly in Marina.

Marina insurance agentsAfter filling out this short form, the quote information is emailed to local insurance agents in Marina that give free quotes for your insurance coverage. You won't even need to visit any agencies because quoted prices will be sent to you directly. If you want to get a comparison quote from a specific insurance provider, you can always go to their quote page and fill out their quote form.

If you want to use a local Marina insurance agent, it's helpful to know the different types of agencies and how they are distinctly different. Marina agents are considered either exclusive or independent (non-exclusive). Either type can handle insurance, but it's worth learning the difference in how they write coverage since it may influence which agent you choose.

Independent Agents

Independent agents often have many company appointments so they can write business with a variety of different insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, your policy is moved internally which makes it simple for you. If you are comparing rate quotes, we highly recommend that you compare prices from at a minimum one independent agency to have the most options to choose from.

Exclusive Insurance Agents

These type of agents can only provide one company's prices and examples are Farmers Insurance or State Farm. They generally cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point.

Finding the right car insurance agent shouldn't rely on just a low price. Some important questions to ask are:

After talking to the agent and getting satisfactory answers to all your questions as well as a affordable price, it's a good possibility that you have found an insurance agent that is reputable and can provide insurance coverage. Just remember it's your coverage and you can cancel coverage whenever you wish so don't assume you are locked into any specific agency for the entire policy term.

Different people need different car insurance coverages

When it comes to buying coverage online or from an agent for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are unique to you so this has to be addressed.Drive safe and save For example, these questions might help in determining whether you would benefit from an agent's advice.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

You can lower your insurance rates

More affordable insurance in Marina can be bought on the web as well as from insurance agents, so you need to quote Marina auto insurance with both so you have a total pricing picture. Some insurance providers may not offer rates over the internet and these smaller providers sell through independent agencies.

In this article, we covered many tips how you can save on insurance in Marina. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Marina auto insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a lesser-known regional company. They can often provide lower prices in certain areas compared to the large companies like Allstate, GEICO and Progressive.

Additional insurance information can be read below: