Trying to find better insurance prices for your car in California can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to get price quotes for your and find the cheapest rates.

It is always a good idea to do rate comparisons as often as possible because insurance prices tend to go up over time. Even if you think you had the best rates on auto insurance a year ago a different company probably has better premium rates today. You can search a lot of auto insurance online, but I'm going to show you some proven techniques to quit paying high auto insurance rates in Laguna Niguel.

Reducing your insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer to compare rates from online providers.

The following companies are our best choices to provide quotes in California. To locate the best auto insurance in California, we suggest you compare several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Laguna Niguel
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,258 $629 $105
Chevrolet Malibu LTZ $1,698 $849 $142
Chevrolet Silverado LT Crew Cab 2WD $1,672 $836 $139
Dodge Ram Crew Cab SLT 2WD $1,860 $930 $155
Ford Escape Limited 4WD $1,436 $718 $120
Ford F-150 FX4 4WD $1,256 $628 $105
Ford Focus SE 4-Dr Sedan $1,358 $679 $113
GMC Sierra SL Crew Cab 2WD $1,490 $745 $124
Honda Accord LX-P 4-Dr Sedan $1,228 $614 $102
Honda CR-V LX 2WD $1,452 $726 $121
Honda Civic VP 4-Dr Sedan $1,630 $815 $136
Hyundai Elantra SE Touring Station Wagon $1,452 $726 $121
Nissan Altima Hybrid 4-Dr Sedan $1,258 $629 $105
Toyota Camry SE $1,840 $920 $153
Toyota Corolla LE $1,638 $819 $137
Toyota RAV4 4WD $1,026 $513 $86
Toyota Tacoma 4WD $1,436 $718 $120
Get Your Own Custom Quote Go

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can impact rates considerably.

How high should deductibles be?

The diagram below shows how different deductible levels and can impact GMC Acadia annual premium costs for each age group. The premiums are based on a single male driver, full physical damage coverage, and no discounts are factored in.

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

Car insurance is not optional

Despite the fact that car insurance is not cheap in Laguna Niguel, insurance is required in California but it also protects you in many ways.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. Unknowingly, the average driver is currently overpaying as much as $820 a year so it's important to compare rates each time the policy renews to ensure rates are competitive.

Are you eligible for every discount?

Car insurance companies do not list all possible discounts in a way that's easy to find, so below is a list some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Laguna Niguel car insurance online. If they aren't giving you every credit you qualify for, you are just wasting money.Discount insurance

It's important to note that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way. But any discount will bring down the amount you have to pay.

Some of the larger companies that may have some of the discounts shown above are:

When comparing rates, check with each company or agent which discounts can lower your rates. Discounts might not apply in every state. If you would like to see a list of companies with discount insurance rates in Laguna Niguel, click here.

Insurance claim statistics

Which vehicles tend to have fewer claims? The statistics below outline the good and bad vehicle models for the overall chance of having to file claims for each type of coverage.

Medical Payment Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Chevrolet Spark
Land Rover Range Rover Sport Mitsubishi Mirage
Tesla Model S Nissan Versa
Chevrolet Corvette Nissan Sentra
Ford F-250 SuperCrew Hyundai Accent
Ford Expedition Kia Forte

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

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Sonic
Volvo XC60 Mitsubishi Mirage
Fiat 500 Chevrolet Cruze
Subaru Outback Dodge Charger
Chevrolet Corvette Kia Optima
Acura MDX Mitsubishi Lancer

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 Audi S7
Ford F-350 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Quattroporte
Chevy Spark Porsche Panamera GTS
Smart ForTwo BMW M6
Chevy Silverado 2500 BMW M6

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

Auto Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Maserati Ghibli
Ford Edge Bently Continental GTC
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur
GMC Canyon Audi RS7

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

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like pain medications, prosthetic devices, rehabilitation expenses, doctor visits and EMT expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages

This can cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/5 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability insurance covers things such as medical services, repair bills for other people's vehicles, legal defense fees, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.

Because many people only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, colliding with a tree, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

One last thing to lower rates

Cheap car insurance in Laguna Niguel is possible from both online companies as well as from independent agents in Laguna Niguel, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer rate quotes online and usually these small, regional companies provide coverage only through independent agencies.

You just read a lot of ways to compare car insurance auto insurance rates in Laguna Niguel. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Laguna Niguel car insurance quotes. You may even discover the best price on car insurance is with a smaller regional carrier.

Consumers switch companies for many reasons like not issuing a premium refund, delays in paying claims, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason for switching companies, finding the right car insurance provider can be easy and end up saving you some money.

Additional car insurance information can be read below: