Finding cheaper insurance for a new or used car in California could be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are both good and bad ways to compare insurance rates and we'll show you the absolute fastest way to quote coverages for your and locate the cheapest rates either online or from Burbank insurance agents.

It's a good idea to price shop coverage on a regular basis since prices change regularly. Even if you got the lowest rate on insurance a year ago you will most likely find a better premium rate today. You'll find quite a bit of inaccurate information about insurance on the internet, but in a few minutes you can learn the easiest ways to lower your insurance rates in Burbank.

Buying the best-priced auto insurance coverage in Burbank is quite easy. If you are already insured or just want cheaper coverage, follow these tips to lower your rates without reducing coverage. Drivers just need to learn the most efficient way to compare company rates from many companies at once.

The easiest way to get rate comparisons is to know the trick most insurance companies have advanced systems to give free rates quotes. The only thing you need to do is provide a small amount of information such as your credit rating estimate, what you do for a living, driver details, and if you lease or own. Those rating factors gets sent immediately to many highly-rated insurers and you will receive price estimates instantly.

To compare multiple company rates now, click here and enter the information requested.

The auto insurance companies shown below have been selected to offer free rate quotes in Burbank, CA. To locate the cheapest car insurance in California, we recommend you visit two to three different companies to get the cheapest price.

Insurance Rates for Popular Vehicles in Burbank
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 4WD $1,260 $630 $105
Dodge Grand Caravan CV $1,770 $885 $148
Dodge Ram Quad Cab Sport 2WD $1,574 $787 $131
Ford Edge Sport 2WD $1,418 $709 $118
Ford Escape XLT 2WD $1,102 $551 $92
Ford F-150 XLT Super Cab 2WD $1,588 $794 $132
Ford Focus SE 2-Dr Coupe $1,632 $816 $136
Ford Fusion Hybrid 4-Dr Sedan $1,638 $819 $137
Honda Accord LX-S 2-Dr Coupe $1,516 $758 $126
Honda CR-V EX 4WD $1,018 $509 $85
Honda Civic DX 4-Dr Sedan $1,118 $559 $93
Hyundai Elantra SE 4-Dr Sedan $1,372 $686 $114
Jeep Wrangler Sahara 4WD 2-Dr $1,588 $794 $132
Kia Optima EX $1,410 $705 $118
Nissan Altima Hybrid 4-Dr Sedan $1,660 $830 $138
Toyota Camry XLE $1,080 $540 $90
Toyota Corolla XLE $1,372 $686 $114
Toyota Prius $1,094 $547 $91
Toyota RAV4 Limited 2WD $1,538 $769 $128
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific Burbank garaging location which can revise premiums greatly.

Higher deductibles lower rates

One frequently asked question is where to set your physical damage deductibles. The comparison tables below may aid in understanding how much more you'll pay when you choose different coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $380 $686 $500 $30 $150 $1,771 $148
Optima EX $430 $810 $500 $30 $150 $1,945 $162
Optima SX $430 $810 $500 $30 $150 $1,945 $162
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Kia Optima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $210 $362 $500 $30 $150 $1,252 $104
Optima EX $238 $426 $500 $30 $150 $1,344 $112
Optima SX $238 $426 $500 $30 $150 $1,344 $112
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in Burbank location which can raise or lower coverage rates significantly.

Based on the above data, using a $100 deductible could cost the average driver approximately $48 more each month or $576 every year than choosing the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 19 months between claim filings, you would most likely save money by going with a higher deductible. The numbers below show an example of how this decision is made.

Average monthly premium for $100 deductibles: $157
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to be aware of is that a higher deductible level means you will have to pay more out-of-pocket when you file a claim. That will require enough money put aside in the event you need to pay the deductible to have repairs made.

Auto insurance in California serves several purposes

Even though it can be expensive, auto insurance may be required for several reasons.

The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is currently overpaying as much as $850 per year so we recommend shopping around every year to ensure rates are inline.

Don't listen to company ads

California consumers can't ignore all the ads that promise big savings for switching from the likes of State Farm, Allstate and GEICO. All the ads say the same thing about saving some big amount if you change your policy.

How is it plausible that every one can charge lower premium rates? Here is how they do it.

Different companies have a certain "appetite" for the type of driver they prefer to insure. An example of a driver they prefer could possibly be over the age of 50, has no claims, and drives less than 10,000 miles a year. Any customer who matches that profile is entitled to the best price and most likely will save some money.

Drivers who don't qualify for these stringent criteria will probably be forced to pay higher premiums which usually ends up with business going elsewhere. If you listen closely, the ads state "customers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully claim big savings.

This emphasizes why it's extremely important to get Burbank car insurance quotes from several different companies. It's just not possible to know with any certainty which company will have the best premium rates at this point in time.

Get cheaper rates with discounts

Car insurance companies don't always advertise all possible discounts in an easy-to-find place, so the list below gives a summary of some of the best known and also the lesser-known savings tricks you should be using when you buy Burbank car insurance online. If you are not receiving all the discounts you qualify for, you are paying more than you should be.Discount insurance

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it doesn't quite work that way.

If you would like to see a list of insurers that offer some of these discounts in California, click this link.

Don't I need to have guidance from an insurance agency?

A lot of people just want to visit with an insurance agent and that is OK! Licensed agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing rates online is the fact that drivers can get cheap auto insurance quotes and still have a local agent. Buying insurance from local insurance agents is important particularly in Burbank.

Insurance agency in BurbankUpon completion of this simple form, the coverage information is sent to local insurance agents in Burbank that give free quotes to get your business. It's much easier because you don't need to contact any agents since rate quotes are delivered instantly to you. If for some reason you want to get a price quote from one company in particular, just jump over to their website and complete a quote there.

Choosing the best insurance company shouldn't rely on just the price. Some important questions to ask are:

Upon getting acceptable answers to all your questions and a good coverage price, you may have just found a company that is reliable enough to adequately provide auto insurance. Just understand that you are able to cancel a policy at any time so never assume you're contractually obligated to your new company indefinitely.

How much insurance do I need?

When selecting insurance from an agent or online, there isn't really a one-size-fits-all type of policy. You are unique so your insurance should reflect thatSafe vehicles cost less to insure For instance, these questions can help discover whether or not you may require specific advice.

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance claim information

What are the chances of a claim? The following statistics list the highest and lowest vehicle models for likelihood of having claims for each type of coverage listed.

Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Nissan Sentra
Audi A4 Allroad Nissan Versa
Ford F-250 SuperCrew Chrysler 200
Chevrolet Corvette Kia Forte
Chevrolet Silverado 3500 Hyundai Accent
Chevrolet Silverado 2500 Mitsubishi Mirage

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Maserati Granturismo
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 BMW M6
Chevy Spark Porsche Panamera GTS
Nissan Leaf Bentley Continental GTC
Smart ForTwo Bentley Continental GT

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Chevrolet Cruze
Audi A6 Hyndai Accent
Fiat 500 Kia Rio
Subaru Forester Kia Optima
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Chrysler 200

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Nissan GT-R
Chevrolet Colorado Maserati Granturismo
Ford F-150 SuperCrew BMW M6
Jeep Wrangler Ferrari 458
Smart ForTwo Audi RS7
GMC Canyon Bentley Continental Flying Spur

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Affordable insurance premiums are out there

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price and still be able to protect your assets.

You just read some good ideas how to find cheaper coverage online. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a small local company. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Some companies don't offer rates over the internet and most of the time these small, regional companies sell through local independent agents. Affordable insurance in Burbank is possible both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

Much more information about insurance in California can be found at these links: