Trying to buy cost effective car insurance is not the easiest thing to accomplish, and finding out which companies quote the most affordable insurance rates in San Bernardino involves even more shopping around. Each company uses their own formula to determine rates, so first let's look at the rankings for the insurance companies that tend to have lower prices in San Bernardino, CA.
We do need to point out that California insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. This price variation is why California drivers need to compare as many rates as possible when trying to get the best auto insurance quotes in San Bernardino. Car insurance prices are impacted by many risk factors and can change substantially, so the cheapest rate two years ago may now be wasting a lot of money.
|Rank||Company||Cost Per Year|
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USAA may have some of the cheapest car insurance rates in San Bernardino at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheaper San Bernardino, CA insurance companies.
In the rate table above, if you are a policyholder with Wawanesa and switched to USAA, you might realize an annual savings of roughly $72. Customers with Century National might save as much as $81 a year, and CSAA insureds might lower prices by $89 a year.
To find cheaper insurance rates for your vehicle, click here to begin a quote or click several companies below for low rates.
It's important to note that these prices are averages across all types of drivers and the different vehicles they drive and do not factor in a specific location in San Bernardino. So the company that has the lowest price for you may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own individual information.
For drivers in San Bernardino, one of the more important considerations that determine insurance cost is where your car is garaged in San Bernardino. Areas with more people or more claims tend to have more expensive car insurance rates, whereas less populated areas have the gratification of cheaper auto insurance rates.
The table below shows the priciest cities in California to buy car insurance in. San Bernardino is ranked #6 with an annual cost of $1,596 for the average insurance policy, which is approximately $133 per month.
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Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease premiums considerably.
The vehicle you are trying to insure is a significant factor that determines whether or not you find cheap coverage in San Bernardino. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost more to insure than more economical and safe models.
The data below outlines auto insurance costs for the most economical vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Volkswagen Jetta S 2.5 Station Wagon||$1,311|
|Honda Accord EX 4-Dr Sedan||$1,388|
|Honda CR-V EX 4WD||$1,421|
|Jeep Grand Cherokee Laredo 4WD||$1,433|
|Chevrolet Equinox LS 2WD||$1,441|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,461|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,508|
|Toyota Camry XLE||$1,518|
|Hyundai Elantra SE 4-Dr Sedan||$1,508|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,523|
|Nissan Rogue S AWD||$1,536|
|Ford Explorer XLT AWD||$1,556|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in San Bernardino, CA location which can lower or raise insurance rates considerably.
Based upon the rates shown, vehicles like the Volkswagen Jetta, Honda Accord, Honda CR-V, Jeep Grand Cherokee, and Chevrolet Equinox are likely to be a few of the most economical vehicles to insure for drivers in San Bernardino.
How to get discounts on San Bernardino insurance rates
Auto insurance companies that offer coverage in San Bernardino could also offer premium discounts that can lower rates by as much as 35% if you can meet the requirements. The best car insurance companies and the discounts they provide are shown below.
- AAA has savings for AAA membership discount, good student, multi-policy, good driver, and multi-car.
- Progressive offers premium reductions for online signing, multi-vehicle, online quote discount, multi-policy, and homeowner.
- State Farm may have discounts that include multiple autos, anti-theft, safe vehicle, passive restraint, driver's education, and good student.
- Esurance discounts include safety device, DriveSense, emergency road assistance, Pac-12 alumni, good student, good driver, and renters.
- Nationwide includes discounts for easy pay, business or organization, family plan, accident-free, multi-policy, defensive driving, and Farm Bureau membership.
The illustration below illustrates the difference between insurance rates with and without some available policy discounts. The prices are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, vehicle safety, homeowner, safe-driver, multiple vehicle, and accident-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance in San Bernardino is 28% or $819.
The illustration below shows how choosing a deductible can raise or lower insurance premiums when researching cheap insurance in San Bernardino. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 50-year-old driver could cut expenses by $408 a year by increasing from a $100 deductible to a $500 deductible, or save $614 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, could drop their prices $1,008 annually just by choosing higher deductibles when buying full coverage.
When increasing deductibles, it will be necessary to have spare funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Cost comparison with and without full coverage
Buying cheaper car insurance is the goal of the majority of vehicle owners, and one good way to reduce the cost of insurance in San Bernardino is to not buy comprehensive and collision coverage. The illustration below illustrates the difference between car insurance costs with full coverage compared to only the California minimum liability coverage. The premiums assume no claims or violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
As an average, full coverage on your policy costs $2,558 per year more than carrying just liability coverage. At some point, about every driver wonders when is it safe to stop buying full coverage. There is no definitive guideline of when to exclude comp and collision coverage, but there is a general 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 may want to consider only buying liability coverage.