Price shopping your insurance can be nearly impossible for drivers not familiar with online price comparisons. With such a big selection of agents and online companies, it can be hard work to find cheaper insurance rates.

Unbelievable but true, a large majority of insurance policyholders have bought insurance from the same company for more than four years, and nearly 40% of drivers have never taken the time to shop around. Consumers in California could cut their rates by roughly 35% a year by just shopping around, but they mistakenly think it's difficult to find cheap insurance by shopping around.

Consumers should take time to get comparison quotes as often as possible due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best deal on insurance two years ago you may be paying too much now. You'll find a ton of advice on insurance online, but in a few minutes you can learn some excellent ideas to lower your insurance rates in Santa Rosa.

If you have insurance now, you will definitely be able to reduce the price you pay using the techniques covered below. The purpose of this post is to help educate you on the most effective way to quote insurance and how to save the most money. But California car owners can benefit from knowing how companies determine how much to charge and apply this information to your search.

How to compare insurance price quotes in Santa Rosa, California

When comparison shopping, comparing more quotes will increase your chances of finding the best offered rates. Some smaller insurers do not give rate quotes online, so you should also compare rates from those companies as well.

The companies in the list below are ready to provide free quotes in Santa Rosa, CA. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Santa Rosa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,566 $783 $131
Chevrolet Silverado LS Crew Cab 2WD $1,410 $705 $118
Dodge Ram Crew Cab TRX 4WD $1,836 $918 $153
Ford Escape Limited 4WD $1,294 $647 $108
Ford F-150 XLT Crew Cab 2WD $1,094 $547 $91
Ford Focus SEL 4-Dr Sedan $1,380 $690 $115
GMC Sierra SLT Extended Cab 2WD $1,676 $838 $140
Honda Accord EX-L 4-Dr Sedan $1,464 $732 $122
Honda CR-V LX 4WD $1,324 $662 $110
Honda Civic EX-L 4-Dr Sedan $1,496 $748 $125
Hyundai Elantra GLS Touring Station Wagon $1,602 $801 $134
Jeep Grand Cherokee Laredo 4WD $1,758 $879 $147
Kia Optima LX $1,252 $626 $104
Nissan Altima 2.5 4-Dr Sedan $1,490 $745 $124
Nissan Rogue S AWD $1,378 $689 $115
Toyota Camry XLE $1,102 $551 $92
Toyota Corolla XLE $1,606 $803 $134
Toyota Prius $1,108 $554 $92
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can change premium rates significantly.

Impact of careless driving on Santa Rosa car insurance rates

The information below shows how speeding tickets and at-fault accidents influence GMC Acadia insurance prices for different age groups of insureds. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Deductible comparison

The illustration below highlights how deductible choice and can influence Chevrolet Silverado insurance costs for different age categories. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Annual premiums comparing men and women

The chart below shows the comparison of insurance costs for male and female drivers in Santa Rosa. The price estimates are based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied on a Hyundai Elantra SE Touring.

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

Insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure a vehicle in Santa Rosa, buying insurance serves an important purpose.

The benefits of buying insurance outweigh the cost, especially for larger claims. The average driver in America is currently overpaying as much as $810 a year so you should quote and compare rates at every policy renewal to ensure rates are competitive.

Insurance discounts help lower rates

Insurance is easily one of your largest bills, but you might already qualify for some discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but once in a while a discount must be asked about before you will receive the discount.Insurance discounts

As a sidenote, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, you're out of luck. But all discounts will lower your premiums.

Larger insurance companies and a selection of discounts are detailed below.

When getting a coverage quote, ask every prospective company the best way to save money. Savings may not apply to policies in Santa Rosa. To see companies that offer multiple discounts in California, click this link.

When to get advice from an insurance agent

A lot of people would rather get professional advice from a licensed agent and that is not a bad decision A nice benefit of getting online price quotes is you can get cheaper prices and also buy local. And providing support for local insurance agents is important especially in Santa Rosa.

To find an agent, once you fill out this simple form, your coverage information is instantly submitted to companies in Santa Rosa who will give you quotes for your insurance coverage. It's much easier because you don't need to drive around because quoted prices will be sent instantly to you. You can find better rates without a big time investment. If you wish to get a rate quote from a specific insurance provider, don't hesitate to jump over to their website and fill out the quote form the provide.

Do you need an independent or exclusive auto insurance agent?

When searching for a local Santa Rosa insurance agency, you must know there are a couple different types of agents and how they can quote your rates. Insurance agencies are either exclusive agents or independent agents.

Independent Agents

Independent agents are not required to write business for one company and that gives them the ability to insure with an assortment of companies and get you the best rates possible. If premiums increase, they can switch companies in-house which is easy for the insured.

When searching for an agent, you need to compare prices from a couple of independent agencies to have the most options to choose from. Most can insure with smaller regional carriers which may provide better rates.

Exclusive Insurance Agencies

These type of agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Consumers often buy from exclusive agents partially due to the brand and strong financial ratings.

Finding a good insurance agent requires you to look at more than just the quoted price. These are some valid questions you should ask.

Upon getting good feedback as well as a affordable price, you have narrowed it down to an insurance agent that can service your policy.

Car insurance coverages explained

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from damage that occurs to other's property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. California state minimum liability requirements are 15/30/5 but you should consider buying higher limits.

Coverage for collisions

This covers damage to your vehicle resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.

Since many California drivers carry very low liability coverage limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, rehabilitation expenses and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Cheaper coverage is out there

You just learned some good ideas how to save on insurance in Santa Rosa. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may even discover the biggest savings come from a lesser-known regional company.

Budget-friendly insurance in Santa Rosa can be found online and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not offer rates over the internet and usually these small, regional companies only sell coverage through independent agencies.

Drivers switch companies for a variety of reasons including high prices, delays in responding to claim requests, an unsatisfactory settlement offer and not issuing a premium refund. Regardless of your reason for switching companies, switching companies is not as hard as you think.

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