Do you want a faster way to compare low-cost auto insurance rates in Perris, CA? Having to pay for expensive auto insurance in Perris can deplete your bank account and maybe even restrict other spending. Performing a rate comparison can help to ensure you are getting the best deal.

A recent auto insurance study revealed that the majority of drivers have purchased from the same company for at least the last four years, and about 40% of consumers have never quoted rates to find lower-cost coverage. Many drivers in Perris could save almost $470 a year by just comparing rate quotes, but they just don't understand the large savings they would see if they just switched companies. Due to the large number of different company options, it is very difficult to choose the most affordable auto insurance company.

It's a great practice to compare rates occasionally due to the fact that insurance prices change quite often. If you had the best quotes on auto insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Auto insurance companies offering competitive prices in California

The companies in the list below offer quotes in Perris, CA. If you want cheap auto insurance in California, it's a good idea that you get prices from several of them in order to find the lowest rates.

Insurance Rate Estimates for Popular Vehicles in Perris
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,164 $582 $97
Chevrolet Silverado Crew Cab Hybrid 2WD $1,316 $658 $110
Dodge Grand Caravan SE $1,244 $622 $104
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,548 $774 $129
Ford Escape XLT 2WD $1,328 $664 $111
Ford F-150 Lariat Crew Cab Harley 2WD $1,226 $613 $102
Ford Focus SE 2-Dr Coupe $1,316 $658 $110
GMC Sierra SL Crew Cab 4WD $1,490 $745 $124
Honda Accord LX 4-Dr Sedan $1,042 $521 $87
Honda CR-V EX 4WD $1,316 $658 $110
Honda Civic SI 4-Dr Sedan $1,758 $879 $147
Hyundai Sonata SE 4-Dr Sedan $1,670 $835 $139
Nissan Altima 2.5 4-Dr Sedan $1,296 $648 $108
Toyota Camry Hybrid $1,800 $900 $150
Toyota Corolla LE $1,464 $732 $122
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in Perris location which can alter price quotes significantly.

Deductible comparison

When shopping for car insurance, a common question is how high should your deductibles be. The rates shown below can help you visualize the cost difference between low and high insurance deductibles. The first pricing table uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Sentra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $298 $576 $442 $26 $132 $1,499 $125
Sentra 2.0 S $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SR $298 $678 $442 $26 $132 $1,601 $133
Sentra 2.0 SL $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R $342 $678 $442 $26 $132 $1,645 $137
Sentra SE-R SPEC V $342 $780 $442 $26 $132 $1,747 $146
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Nissan Sentra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $184 $362 $442 $26 $132 $1,146 $96
Sentra 2.0 S $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SR $184 $426 $442 $26 $132 $1,210 $101
Sentra 2.0 SL $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R $210 $426 $442 $26 $132 $1,236 $103
Sentra SE-R SPEC V $210 $490 $442 $26 $132 $1,300 $108
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in zip code location which can alter coverage prices significantly.

Based on the above data, using a $250 deductible will cost you roughly $33 more each month or $396 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would save money going with the higher deductible.

Cheaper rates on insurance with these insurance discounts

Companies offering auto insurance don't always publicize the entire discount list in a way that's easy to find, so the list below gives a summary of both well-publicized and the more hidden credits that may apply to you. If you're not getting every credit you deserve, you are paying more than you should be.Save money with discounts

You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, it's just not the way it works.

Companies and a partial list of their discounts are included below.

When getting free Perris car insurance quotes, it's a good idea to each company or agent which discounts they offer. A few discounts might not be offered in every state. If you would like to choose from a list of insurers that offer discounts in California, follow this link.

Auto insurance can get complicated

When it comes to buying a policy for your personal vehicles, there really is no best way to insure your cars. Everyone's situation is a little different so this has to be addressed.Higher deductibles save money For example, these questions might help in determining if your insurance needs may require specific advice.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Advertising and car insurance

Consumers constantly see and hear ads that claim the lowest rates from the likes of Progressive, Allstate and GEICO. They all seem to make the same claim that drivers will save a bundle if you just switch your policy.

How does every car insurance company give you a better price on car insurance? This is the trick they use.

Many companies look for specific characteristics for the type of insured that will most likely be profitable. For example, a profitable risk profile may need to be over the age of 45, owns their home, and drives less than 10,000 miles a year. Any driver who matches those parameters will most likely get cheap rates and most likely will save quite a bit of money when switching.

Potential insureds who may not quite match these criteria must pay higher premium rates and ends up with the prospect going elsewhere. If you pay attention, the ads say "customers who switch" not "everyone that quotes" save that much money. That is how insurance companies can make those claims. Because of the profiling, drivers should compare many company's prices. It is impossible to predict which company will have the lowest premium rates for your situation.

Vehicle claim statistics

Are you driving a vehicle that ranks high in claims? The tables below list the best and worst cars and trucks for the probability of having to file claims orgainized by coverage.

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

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

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Corvette Nissan Versa
Tesla Model S Hyundai Accent
Ford Expedition Dodge Charger
Land Rover Range Rover Sport Kia Forte
Chevrolet Silverado 3500 Mitsubishi Mirage

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

Comprehensive Insurance Claims by Vehicle
Lowest Claims Highest Claims
Volvo V60 Maserati Granturismo
Ford F-350 Audi S7
Nissan Leaf Bentley Continental GT
GMC Sierra 2500 Mercedes-Benz S Class
Infiniti QX50 Bentley Continental GTC
Chevy Spark BMW M6

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

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford Edge Bentley Continental Flying Spur
Mini Cooper Audi RS7
Chevrolet Colorado Nissan GT-R
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Maserati Ghibli

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

Cheaper insurance is a realistic goal

Lower-priced insurance in Perris can be purchased on the web and also from your neighborhood Perris agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies work with independent insurance agents.

When shopping online for insurance, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your strategy should be to find the BEST coverage for the lowest cost, but don't skip important coverages to save money.

We just presented quite a bit of information on how to compare insurance car insurance rates in Perris. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding the cheapest Perris car insurance quotes. You may even find the best price on insurance is with a small mutual company. These companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

Much more information about insurance in California can be found at the links below