Establishing which company offers the cheapest car insurance rates in Garden Grove requires a little more work in order to find the lowest price quote.
Every insurance company has a different process to set policy rates, so we'll take a look at the most budget-friendly car insurance companies in Garden Grove, CA. It's important to know that California car insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, getting married, or having an at-fault accident can trigger price changes resulting in some companies being much cheaper than others.
USAA quotes some of the best car insurance rates in Garden Grove at around $1,109 per year. Wawanesa, CSAA, Nationwide, and Century National would also be considered some of the lowest-priced Garden Grove, CA auto insurance companies.
As depicted above, if you have coverage with Wawanesa and switched to USAA, you could earn a yearly price reduction of upwards of $48. Policyholders with CSAA might save as much as $89 a year, and Nationwide insureds might cut rates by $104 a year.
It's important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location in Garden Grove. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.
For drivers in Garden Grove, one of the largest things that determine the annual cost of car insurance is where your car is garaged. Areas with more people or more claims are more likely to have higher rates, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The following table rates the highest-priced places in California to purchase car insurance in. Garden Grove is ranked #11 with the yearly price of $1,524 for the average insured, which is around $127 per month.
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Rate quotes are approximated as specific Garden Grove garaging address can impact price quotes considerably.
The car, truck, or SUV that needs insurance is probably the largest consideration when shopping around for cheaper coverage in Garden Grove. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more economical and safe models.
The table below shows auto insurance costs for a handful of the most affordable vehicles to insure in California.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford F-150 XLT Crew Cab 2WD||$1,200|
|Ford Escape XLT 2WD||$1,226|
|Honda CR-V LX 2WD||$1,232|
|Honda Accord EX 4-Dr Sedan||$1,226|
|Ford Edge SEL 2WD||$1,242|
|Jeep Grand Cherokee Laredo 4WD||$1,268|
|Ford Explorer Limited 2WD||$1,292|
|Ford Focus SEL 4-Dr Sedan||$1,308|
|Hyundai Elantra SE Touring Station Wagon||$1,331|
|Toyota Corolla S||$1,334|
|Honda Odyssey EX-L W/Rear Entertainment||$1,340|
|Toyota Camry SE||$1,334|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can change coverage rates significantly.
Based upon the rates shown, you can figure that models like the Ford F-150, Ford Escape, Honda CR-V, Honda Accord, and Ford Edge are going to be the more affordable vehicles to insure for drivers in Garden Grove.
Cautious Garden Grove drivers save money
The easiest way to obtain cheap auto insurance rates in Garden Grove for drivers in Garden Grove is to be a careful driver and avoid accidents and traffic violations. The diagram below illustrates how violations and at-fault claims can affect car insurance costs for different ages of insureds. The rates are based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,948. Get written up for one speeding ticket and the average cost surges to $2,267, an increase of $319 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance in Garden Grove increases to an average of $4,947. That's an increase of $2,999, or $250 per month, just for not driving safely!
Get discount Garden Grove auto insurance rates
Insurers that provide coverage in Garden Grove may also provide premium discounts that could reduce prices by 35% or more if you are eligible to receive them. A few popular companies and the discounts they provide are:
- State Farm discounts include multiple autos, good student, Drive Safe & Save, accident-free, passive restraint, and student away at school.
- GEICO policyholders can earn discounts including driver training, anti-theft, emergency military deployment, five-year accident-free, multi-vehicle, anti-lock brakes, and defensive driver.
- Allstate may include discounts for anti-theft, EZ pay plan discount, teenSMART discount, FullPay discount, auto/life discount, farm vehicle, and passive restraint.
- SAFECO may have discounts that include multi-car, homeowner, bundle discounts, accident prevention training, anti-theft, and drive less.
- Farm Bureau offers discounts for renewal discount, 55 and retired, youthful driver, multi-vehicle, and safe driver.
- Progressive includes discounts for continuous coverage, online signing, multi-policy, good student, and homeowner.
- AAA may offer discounts for anti-theft, pay-in-full, AAA membership discount, education and occupation, multi-car, and good student.
The information below illustrates the difference between car insurance rates with and without discounts applied to the premium. The premiums assume a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, accident-free, multiple vehicle, anti-theft, claim-free, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance in Garden Grove is 28% or $559.
The diagram below illustrates how your choice of deductibles can change premium costs when getting quotes for cheap insurance in Garden Grove. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could lower rates by $460 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $692 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates as much as $1,398 each year by selecting a higher deductible. When increasing deductibles, it will be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
Ideas for finding the cheapest insurance in Garden Grove
The list below shows some of the recommended thrifty solutions that can help you quote cheap auto insurance.
- Having at-fault accidents will increase rates
- Safe vehicles cost less to insure
- Bundle home and auto and earn a discount
- Older vehicles may not need full coverage
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Having too many claims will increase rates substantially
- Comparison shop frequently
The last tip is extraordinarily important, as we pointed out in this article. Insurance prices fluctuate considerably, so drivers shouldn't hesitate to buy from a new company if a lower-cost policy is available. Many drivers prefer to stick with one company, but it's not recommended if that inflexibility results in costing you a lot of money every month. In less than five minutes you could compare rates to find cheaper car insurance in Garden Grove.