Paying for expensive auto insurance in Mountain View can take a big chunk out of your bank account and possibly require you to analyze your spending habits. Comparing rate quotes is an excellent way to slash your bill and have more diposable income.

Unthinkable but true, most drivers have remained with the same auto insurance company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. Drivers in Mountain View could pocket roughly $469 a year, but they just don't want to save money by comparing rate quotes.

Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to get the best rate on auto insurance.

Four tips to get lower Mountain View car insurance rates

When buying car insurance it's important to understand the factors that aid in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in lower car insurance prices.

The best way we recommend to compare insurance rates in your area is to know the fact most insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide a small amount of information such as if you went to college, an estimate of your credit level, how much you drive, and the make and model of your vehicles. The rating information is submitted instantly to multiple companies and they provide comparison quotes very quickly.

To start a quote now, click here and see if a lower rate is available in Mountain View.

The companies shown below have been selected to offer quotes in California. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.

Insurance Rates for Popular Vehicles in Mountain View
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,552 $776 $129
Chevrolet Silverado LT Extended Cab 2WD $1,854 $927 $155
Dodge Ram Crew Cab Sport 2WD $1,518 $759 $127
Ford Escape XLS 4WD $1,272 $636 $106
Ford F-150 FX2 Super Cab 2WD $1,588 $794 $132
Ford Focus S 4-Dr Sedan $1,142 $571 $95
Ford Fusion SE 4-Dr Sedan $1,648 $824 $137
Honda Accord LX-P 4-Dr Sedan $1,028 $514 $86
Honda CR-V EX-L 2WD $1,468 $734 $122
Honda Civic EX 4-Dr Sedan $1,082 $541 $90
Hyundai Elantra SE Touring Station Wagon $1,422 $711 $119
Kia Optima EX $1,486 $743 $124
Nissan Altima Hybrid 4-Dr Sedan $1,660 $830 $138
Toyota Camry Hybrid $2,006 $1,003 $167
Toyota Corolla XRS $1,698 $849 $142
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can affect prices noticeably.

Where to set your deductibles

One of the most common auto insurance questions is which deductibles should you choose. The rates shown below can help you understand the rate fluctuation between low and high physical damage deductibles. The first rate table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in zip code location which can increase or decrease prices considerably.

Based on the data above, we can derive that using a $100 deductible costs about $45 more each month or $540 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claims, you would probably come out ahead if you opt for a higher deductible.

Does it make sense to buy full coverage?

The information below examines Nissan Sentra yearly insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, married male driver, and no discounts are applied.

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

When to stop buying comprehensive and collision coverage

There is no set rule for excluding full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Nissan Sentra claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If you are paying more than $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where only buying liability is not advised. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Driving violations and accidents

The diagram below illustrates how speeding tickets and at-fault claims can increase Dodge Ram annual premium costs for each age group. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Slick advertising tricks that work

Well-known insurance companies like State Farm and Allstate seem to constantly run television, radio, and online ads. They all seem to make an identical promise that you can save if you switch your coverage. How does every company make the same claim? It's all in the numbers.

Companies give the cheapest rates for the type of customer that will be a good risk. One example of a profitable risk profile may be married and over the age of 30, has few claims, and does not commute to work. Any customer who fits those characteristics will get very good Mountain View premium rates and is almost guaranteed to save if they switch.

Consumers who don't measure up to this ideal profile will have to pay higher rates which translates to business going elsewhere. The trick is to say "people who switch" not "all people who quote" will save that much if they switch. This is how insurance companies can confidently make claims like that. This really illustrates why you should compare many company's car insurance rates. It's impossible to know the company that will have the best insurance in Mountain View.

Buying the right vehicle insurance in California is an important decision

Despite the fact that insurance is not cheap in Mountain View, insurance is required in California but also provides important benefits.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $865 each year so compare quotes from several companies at least once a year to save money.

Cheaper rates with these discounts

Not too many consumers would say insurance is affordable, but you may find discounts that you may not even know about. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked for before they will apply. If you don't get every credit you deserve, you're paying more than you need to.Save money with discounts

A quick disclaimer, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free insurance policy, you won't be that lucky.

Some of the larger companies who may offer these discounts include:

It's a good idea to ask each company which discounts you may be entitled to. Some discounts listed above might not apply everywhere.

Final considerations

Some insurance companies may not provide online price quotes and these smaller providers only sell through local independent agents. Cheaper car insurance in Mountain View is definitely available from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

When getting Mountain View car insurance quotes online, make sure you don't buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

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