High-priced car insurance in Shafter can empty your savings and force you to make sacrifices. Comparison shopping can be a smart way to make sure you're not throwing money away.

A recent NerdWallet.com study revealed that a large majority of consumers kept their coverage with the same car insurance company for at least four years, and practically 40% of car insurance customers have never even compared rates from other companies. Many consumers in California could save themselves approximately $469 a year just by getting comparison quotes, but they feel it's too difficult to shop their coverage around.

Numerous auto insurance companies battle for your business, so it's not easy to compare every insurer to find the absolute lowest rate on car insurance.

Consumers should take time to compare prices every six months because car insurance prices are adjusted regularly by insurance companies. Even if you got the best deal on car insurance last year there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the only way to lower your rates without sacrificing coverage.

If you're already insured, you will most likely be able to get lower rates using the concepts you're about to learn. Choosing the most cost-effective car insurance policy in Shafter can initially seem challenging. But California vehicle owners must comprehend how insurance companies calculate your car insurance rates because rates are impacted by many factors.

When price shopping your coverage, having more price comparisons increases your odds of finding a lower rate. Some smaller insurers do not give online rate quotes, so you need to compare price estimates from them as well.

The following companies have been selected to offer free quotes in California. To find the best auto insurance in California, it's a good idea that you visit two to three different companies to find the most competitive auto insurance rates.

Insurance Rates for Popular Vehicles in Shafter
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,506 $753 $126
Chevrolet Silverado LS Crew Cab 4WD $1,284 $642 $107
Dodge Ram Quad Cab ST 2WD $1,876 $938 $156
Ford Edge SEL 2WD $1,358 $679 $113
Ford Escape Limited 2WD $1,158 $579 $97
Ford Explorer Eddie Bauer 4WD $1,166 $583 $97
Ford F-150 XL Super Cab 4WD $1,462 $731 $122
Ford Focus SE 4-Dr Sedan $1,028 $514 $86
Honda Accord LX-S 2-Dr Coupe $1,976 $988 $165
Honda CR-V LX 4WD $1,094 $547 $91
Honda Civic LX 2-Dr Coupe $1,652 $826 $138
Nissan Altima Hybrid 4-Dr Sedan $2,072 $1,036 $173
Toyota Camry Hybrid $2,006 $1,003 $167
Toyota Corolla XLE $1,464 $732 $122
Toyota RAV4 Limited 4WD $1,026 $513 $86
Volkswagen Jetta SEL 4-Dr Sedan $1,916 $958 $160
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in Shafter location which can modify coverage rates considerably.

Comparison of policy deductibles

The illustration below demonstrates how deductible levels and can impact Dodge Ram annual premium costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

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

Car insurance overall losses by make and model

Does your vehicle tend to have claims? The statistics below list the best and worst makes and models for the probability of having large claims for each type of coverage listed.

Liability Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Dodge Charger
Audi A6 Chevrolet Sonic
Volvo XC60 Kia Optima
Acura MDX Kia Rio
Subaru Forester Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Bently Continental GT
Ford Edge Audi RS7
GMC Canyon Bently Continental GTC
Nissan Xterra Nissan GT-R
Ford F-250 SuperCab BMW M6
Jeep Wrangler BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Volvo V60 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Granturismo
Nissan Leaf Bentley Continental GTC
Smart ForTwo BMW M6
Chevy Silverado 2500 Porsche Panamera GTS
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 SuperCrew Hyundai Accent
Land Rover Range Rover Sport Nissan Versa
Tesla Model S Mitsubishi Mirage
Ford Expedition Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Lancer
Audi A4 Allroad Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years