Are you searching for lower-priced auto insurance rates in Ceres, CA? Are you sick and tired of being strong-armed to buy auto insurance? Your situation is no different than many other California drivers.
Remarkably, a study showed that about 70% of customers kept buying from the same company for more than four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. California insurance shoppers can cut their rates by $469 a year just by getting comparison quotes, but they just don't understand how much they could save if they replace their high priced policy. Since you have so many choices of insurance companies, it is very difficult to pick the most affordable company.
Consumers should take time to compare prices as often as possible because auto insurance prices fluctuate regularly. Even if you got the lowest rates on auto insurance at your last renewal you may be paying too much now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.
Comparing quotes for affordable auto insurance in Ceres is simple if you know the tricks. If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Drivers just need to learn the quickest way to compare insurance rates from many different companies online.
Cheap companies for Ceres auto insurance
The companies in the list below have been selected to offer free quotes in Ceres, CA. If you want cheap auto insurance in California, we suggest you get price quotes from several of them to find the most affordable auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 4WD||$1,138||$569||$95|
|Chevrolet Malibu LS||$1,566||$783||$131|
|Chevrolet Silverado LT Crew Cab 4WD||$1,830||$915||$153|
|Dodge Grand Caravan CV||$1,484||$742||$124|
|Dodge Ram Crew Cab Sport 2WD||$1,790||$895||$149|
|Ford Escape XLT 4WD||$1,324||$662||$110|
|Ford Explorer Eddie Bauer 4WD||$1,946||$973||$162|
|Ford F-150 STX Super Cab 4WD||$1,500||$750||$125|
|Ford Focus SES 2-Dr Coupe||$1,568||$784||$131|
|Honda Accord LX-P 4-Dr Sedan||$1,174||$587||$98|
|Honda CR-V EX 4WD||$1,134||$567||$95|
|Honda Civic DX 4-Dr Sedan||$1,702||$851||$142|
|Jeep Grand Cherokee Laredo 4WD||$1,048||$524||$87|
|Nissan Altima 2.5 4-Dr Sedan||$1,896||$948||$158|
|Nissan Rogue SL AWD||$1,332||$666||$111|
|Toyota Camry LE||$1,172||$586||$98|
|Toyota Corolla XRS||$1,830||$915||$153|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in Ceres location which can modify prices significantly.
Drive safe and save
The chart below shows how speeding tickets and fender-benders raise Honda Pilot insurance premiums for each age group. The information is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Do you need full coverage?
The information below illustrates the comparison of Ford F-150 insurance rates with full coverage and liability only. The premiums assume a clean driving record, no claims, $250 deductibles, married male driver, and no discounts are taken into consideration.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Deciding between full coverage and liability only
There is no definitive formula for eliminating full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's pretend your Ford F-150 claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If you are paying over $200 a year to have full coverage, then it could be time to drop full coverage.
There are some circumstances where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Five discounts to earn lower Ceres insurance rates
Some insurers do not advertise their entire list of discounts very well, so we researched a few of the more common and the harder-to-find discounts that you can inquire about if you buy Ceres auto insurance online.
- Mature Driver Discount - Seniors can possibly qualify for a discount up to 10%.
- Life Insurance Discount - Insurance companies who offer life insurance give a small discount if you purchase life insurance.
- Homeowners Savings - Owning a house in Ceres may earn you a small savings because owning a home means you have a higher level of financial diligence.
- Renewal Discounts - A few larger companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
- Seat Belts Save more than Lives - Requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, you aren't that lucky.
A few companies that possibly offer many of the previously listed discounts may include but are not limited to:
When getting a coverage quote, ask every insurance company which discounts can lower your rates. Discounts might not be offered everywhere. If you would like to choose from a list of providers that provide some of the discounts listed above in Ceres, click this link.
When should I have guidance from an agent?
Some consumers still prefer to sit down and talk to an agent and there is nothing wrong with that. Good insurance agents can make sure you are properly covered and help submit paperwork. The best thing about comparing car insurance online is you may find cheap car insurance rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is especially important in Ceres.
For easy comparison, once you complete this simple form, your coverage information is immediately sent to participating agents in Ceres who will return price quotes for your car insurance coverage. It makes it easy because there is no need to leave your house because prices are sent directly to you. If for some reason you want to get a rate quote from a particular provider, you just need to visit that company's website and give them your coverage information.
Finding the right provider requires more thought than just the bottom line cost. Any agent in Ceres should have no problem answering these questions:
- If they are an independent agency in Ceres, which companies do they recommend?
- Can they help ensure a fair claim settlement?
- Does the agent recommend any additional coverage?
- How will an accident affect your rates?
- How much training do they have in personal risk management?
- Where would glass claims be handled in Ceres?
Upon getting reasonable responses to any questions you have as well as a affordable price, most likely you have located an insurer that is reliable enough to service your policy. Just keep in mind you are able to cancel a policy for any reason so don't assume you are locked into the car insurance policy for a certain time period.
The ad said I'd save $481 a year!
California consumers can't ignore all the ads for the lowest price car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big just by moving your policy.
How can each company offer drivers better rates? It's all in the wording.
Most companies have underwriting criteria for the type of driver that earns them the highest profit. A good example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and has great credit. Any customer that hits that "sweet spot" gets the lowest premium rates as well as pay quite a bit less when switching companies.
People who do not match these criteria will have to pay higher premiums which translates to the customer buying from someone else. If you listen to the ad wording, they say "people that switch" not "all people who quote" save that much when switching. This is how insurance companies can confidently make it sound like they have such great premium rates.
Because every company is different, you need to compare many company's premium rates. It's just too difficult to predict which car insurance company will give you the biggest savings.
Parts of your insurance policy
Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you'll find typical coverage types found on most insurance policies.
Uninsured or underinsured coverage
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Auto liability insurance
This provides protection from damage or injury you incur to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as repair bills for other people's vehicles, pain and suffering, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy higher limits.
Coverage for collisions
Collision insurance will pay to fix damage to your vehicle resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, driving through your garage door, 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 lower value vehicles. You can also choose a higher deductible to save money on collision insurance.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, X-ray expenses, prosthetic devices, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
The most affordable rates come from being thorough
Lower-priced auto insurance in Ceres is attainable from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don't offer price quotes online and many times these smaller companies sell through local independent agents.
We've covered many ideas to reduce auto insurance rates online in Ceres. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Ceres auto insurance quotes. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like Allstate and Progressive.
Much more information about auto insurance in California is available on the following sites:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Affordable California Car Insurance Rates for Hybrid Vehicles? (FAQ)
- Frontal Crash Tests (iihs.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Avoiding Deer Collisions (Insurance Information Institute)