Has it been over a year since you last compared quotes for the cheapest insurance rates in San Carlos, CA? If you're searching for cheaper insurance online, are you confused by the number of insurance companies available to you? Many other people are as well. There are so many choices that it can really be a real difficult job to find the lowest price. Everyone knows that San Carlos is the perfect city to reside in, but expensive insurance rates can make it hard to pay other bills every month.

Shockingly, about 70% of customers have purchased from the same company for at least four years, and nearly half have never even compared quotes to find affordable rates. San Carlos insurance shoppers could save an average of as much as 35% each year by just shopping around, but they mistakenly think it's difficult to find affordable insurance by shopping around.

Determine discounts on San Carlos auto insurance

Some providers don't always advertise the complete list of policy discounts very well, so we took the time to find some of the best known and the harder-to-find auto insurance savings.Cheaper auto insurance with discounts

We need to note that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

Companies and their offered discounts are shown below.

If you are trying to find the cheapest San Carlos car insurance quotes, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered in San Carlos.

Most major insurance companies such as State Farm and Allstate give prices from their websites. Doing online quotes is pretty easy because you just enter the amount of coverage you want into the quote form. Upon sending the form, the company's rating system will obtain your driving record and credit report and returns pricing information.

Using the web to get price quotes helps simplify price comparisons, and it is important to get many rate quotes in order to find the most affordable possible premiums on auto insurance.

If you want to fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it's recommended you type in your coverages identical to your current policy. This helps ensure you will have a rate comparison for similar coverage.

The auto insurance companies shown below provide price quotes in California. If multiple companies are listed, we suggest you compare several of them to get the most competitive price.

Insurance Rate Estimates for Popular Vehicles in San Carlos
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,752 $876 $146
Chevrolet Silverado Crew Cab Hybrid 4WD $2,246 $1,123 $187
Dodge Ram Crew Cab Sport 2WD $1,772 $886 $148
Ford Escape XLT 4WD $1,336 $668 $111
Ford Explorer XLT 4WD $1,406 $703 $117
Ford F-150 FX2 2WD $1,070 $535 $89
Ford Focus SES 2-Dr Coupe $2,128 $1,064 $177
GMC Sierra SLE Crew Cab 2WD $1,164 $582 $97
Honda Accord EX-L 2-Dr Coupe $1,792 $896 $149
Honda CR-V EX-L 4WD $888 $444 $74
Honda Civic SI 2-Dr Coupe $1,986 $993 $166
Hyundai Sonata GLS 4-Dr Sedan $1,222 $611 $102
Nissan Altima 2.5 4-Dr Sedan $1,722 $861 $144
Toyota Camry LE $1,566 $783 $131
Toyota Corolla LE $1,302 $651 $109
Toyota Tacoma Double Cab 4WD $1,166 $583 $97
Volkswagen Jetta SE 4-Dr Sedan $1,302 $651 $109
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in San Carlos location which can decrease or increase rates significantly.

San Carlos insurance rates: Men versus women

The illustration below shows the comparison of car insurance rates for male and female drivers in San Carlos. The data is based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied on a GMC Acadia SLT.

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

How much more does full coverage cost?

The illustration below visualizes the comparison of Ford Focus premium costs with and without full coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, married female driver, and no other discounts are factored in.

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

Should you buy full coverage or liability only?

There is no definitive rule for excluding full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Focus replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your policy deductible. If premiums are more than $400 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few situations where removing full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Tailor your car insurance coverage to you

Keep in mind that when it comes to choosing insurance from an agent or online, there really is not a single plan that fits everyone. Everyone's situation is unique and your car insurance should be unique as well.Car insurance savings For example, these questions could help you determine whether your personal situation could use an agent's help.

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance claims by make and model

Which vehicles have a tendency to have claims? The data below show the best and worst cars and trucks for the probability of having claims.

Medical Payment Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Chevrolet Spark
Tesla Model S Chevrolet Sonic
Audi A4 Allroad Dodge Charger
Ford Expedition Kia Forte
Chevrolet Silverado 3500 Mitsubishi Mirage
Chevrolet Corvette Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Bently Continental GTC
GMC Canyon Maserati Granturismo
Ford Edge Nissan GT-R
Mini Cooper BMW M6
Smart ForTwo Bentley Continental Flying Spur
Ford F-150 SuperCrew Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Audi S7
GMC Sierra 2500 Mercedes-Benz S Class
Nissan Xterra BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Maserati Granturismo
Infiniti QX50 Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Dodge Charger
Fiat 500 Mitsubishi Lancer
Subaru Outback Kia Rio
Acura MDX Chrysler 200
Chevrolet Corvette Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Quote often and quote early

In this article, we covered some good ideas how to compare car insurance auto insurance rates in San Carlos. It's most important to understand that the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest auto insurance rates are with a company that doesn't do a lot of advertising. They often have lower premium rates on specific markets than the large multi-state companies such as Progressive and GEICO.

As you shop your coverage around, make sure you don't reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

The cheapest car insurance in San Carlos is attainable on the web in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some companies may not have internet price quotes and usually these regional insurance providers only sell through independent insurance agents.

More detailed car insurance information can be found in the articles below: