Feel like you have an overpriced car insurance policy? Trust us when we tell you many Twentynine Palms consumers feel financially strained by their car insurance policy.

Astonishing but true, almost 70% of drivers in California have purchased from the same company for more than four years, and approximately 38% of consumers have never even compared rates from other companies. Most drivers in America can save hundreds of dollars each year by just comparing quotes, but they don't know how much savings they would realize if they switched.

There are many auto insurance companies to pick from, and though it is a good thing to have multiple companies, more options can take longer to find the best rates.

Companies offering low-cost price quotes in Twentynine Palms, CA

The providers in the list below can provide comparison quotes in Twentynine Palms, CA. To find cheaper auto insurance in California, we recommend you visit several of them in order to find the most affordable rates.

Insurance Price Estimates for Popular Vehicles in Twentynine Palms
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,332 $666 $111
Dodge Ram Crew Cab Laramie 4WD $1,422 $711 $119
Ford Edge SE 2WD $1,060 $530 $88
Ford Escape XLS 4WD $1,124 $562 $94
Ford F-150 XLT Super Cab 4WD $1,402 $701 $117
Ford Focus SEL 4-Dr Sedan $1,374 $687 $115
Ford Fusion SEL AWD 4-Dr Sedan $1,542 $771 $129
Honda Accord LX-S 2-Dr Coupe $1,498 $749 $125
Honda CR-V LX 4WD $982 $491 $82
Honda Civic Hybrid 4-Dr Sedan $1,252 $626 $104
Hyundai Elantra SE Touring Station Wagon $1,416 $708 $118
Nissan Altima 2.5 S 4-Dr Sedan $1,664 $832 $139
Toyota Camry XLE $1,672 $836 $139
Toyota Corolla XLE $1,416 $708 $118
Toyota RAV4 Sport 4WD $1,896 $948 $158
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,200 $600 $100
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can revise coverage rates noticeably.

Full coverage or liability only

The information below illustrates the comparison of Nissan Altima auto insurance rates with and without full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single female driver, and no policy discounts are applied.

Nissan Altima 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 clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Nissan Altima settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Save money with these six discounts on insurance

Companies don't list every disount available in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it's just not the way it works.

A partial list of companies that have these benefits include:

When comparing rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not be offered in Twentynine Palms. To see companies with discount rates in California, click here.

Independent versus exclusive insurance agencies

Many people prefer to visit with an insurance agent and often times that is recommended A good thing about comparing insurance prices online is that you can obtain better rates and still buy from a local agent. And buying from neighborhood insurance agencies is important especially in Twentynine Palms.

Twentynine Palms insurance agentsOnce you complete this short form, your insurance coverage information is transmitted to companies in Twentynine Palms that can give you free Twentynine Palms auto insurance quotes and help you find cheaper coverage. You don't have to do any legwork as quotes are delivered to you directly. Get lower rates without a big time investment. If you wish to get a comparison quote from one company in particular, feel free to jump over to their website and fill out their quote form.

Exclusive or Independent: There is a difference

If you are wanting to purchase car insurance from a reliable insurance agent, it's important to understand the types of agencies that you can choose from. Car insurance agents can be described as either exclusive agents or independent agents.

Independent Car Insurance Agents

Agents that choose to be independent are normally appointed by many insurers so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If you want to switch companies, your agent can switch companies which makes it simple for you.

If you need cheaper car insurance rates, it's recommended you compare prices from independent agents to get the most accurate price comparison.

Exclusive Car Insurance Agencies

Exclusive insurance agents generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They usually cannot place coverage with different providers so you might not find the best rates. Exclusive agents receive extensive training on their company's products and that can be a competitive advantage.

Picking a auto insurance agent should include more criteria than just the premium amount. Here are some questions you should ask.

Brand name doesn't guarantee savings

Popular insurance providers such as Allstate and Progressive continually stream ads in print and on television. All the ads make an identical promise of big savings if you move your policy. How is it possible that every company can give you a lower rate on insurance? Just pay attention to how they say it.

Insurance providers have strict underwriting profiles for the type of driver that is profitable for them. A good example of a preferred risk may be between 30 and 50, owns their home, and drives a safe vehicle. Any person who meets those qualifications will qualify for the lowest prices in Twentynine Palms and will most likely save some money.

Consumers who don't measure up to the requirements will have to pay a higher premium and ends up with the customer not purchasing. The wording the ads use say "people who switch" but not "all drivers who get quotes" save that kind of money. This is how companies can make those claims.

This illustrates why drivers should compare price quotes frequently. It's just not possible to know which company will have the lowest insurance in Twentynine Palms.

Car insurance coverages explained

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Collision coverages - This pays for damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for liability - This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things like loss of income, repair bills for other people's vehicles, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying more liability than the minimum.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for bills for things like chiropractic care, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Due to the fact that 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. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy's liability coverage.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, a broken windshield, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Insurance losses by coverage

Which vehicles statistically have the most claims? The following claim statistics list the highest and lowest makes and models for the overall chance of filing claims.

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford Edge BMW M6
Ford F-150 SuperCrew Bently Continental GTC
Ford F-250 SuperCab Audi RS7
Nissan Xterra Ferrari 458
Chevrolet Colorado BMW 6 Series
Mini Cooper Nissan GT-R

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Amount Highest Claim Amount
Subaru Forester Hyndai Accent
Mercedes-Benz SL Class Dodge Charger
Audi A6 Mitsubishi Mirage
Subaru Outback Mitsubishi Lancer
Acura MDX Kia Optima
Fiat 500 Chevrolet Impala

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Chevrolet Spark
Ford Expedition Kia Forte
Chevrolet Silverado 3500 Nissan Sentra
Tesla Model S Chrysler 200
Land Rover Range Rover Sport Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevy Spark Porsche Panamera GTS
Infiniti QX50 Audi S7
Nissan Leaf BMW M6
Ford F-350 Mercedes-Benz S Class
Nissan Xterra Maserati Quattroporte
Volvo V60 Bentley Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You can find affordable coverage

We just covered many ways to shop for insurance online. The key concept to understand is the more quotes you get, the better chance you'll have of finding inexpensive Twentynine Palms auto insurance quotes. Drivers may even discover the most savings is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

As you restructure your insurance plan, never reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage for the lowest price and still be able to protect your assets.

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