Do you want to learn to get more competitive insurance rates in Chino Hills, CA? Wish you could get out of an underperforming, overpriced insurance policy? You're in good company because there are lots of Chino Hills residents who feel the same.

A recent study showed that almost 70% of insureds renewed their policy with the same company for more than four years, and just under half have never even compared quotes to find cheap rates. California drivers could cut their rates by up to $469 a year by just shopping around, but most undervalue the benefits if they bought a different policy.

You have so many auto insurance companies to choose from, and although it's a good thing to have multiple companies, it can be more challenging to find the best rates.

Consumers should take time to shop coverage around before your policy renews because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on insurance a few years ago there is a good chance you can find better rate quotes now. There is a lot of bad information regarding insurance online, but you can learn some great ways to buy insurance cheaper in Chino Hills.

Discounts can help lower premiums on insurance

Insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. A few discounts will automatically apply when you get a quote, but some discounts are required to be manually applied before they will apply.Discount insurance

As a sidenote, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you could get a free insurance policy, insurance companies wouldn't stay in business.

A few popular companies and a partial list of their discounts are outlined below.

If you need the cheapest Chino Hills car insurance quotes, ask all companies you are considering how many discounts you can get. Some discounts may not be available in your state. To find insurance companies offering insurance discounts in California, click here.

Ways to get auto insurance quotes in Chino Hills

All major auto insurance companies like 21st Century, Allstate and State Farm allow you to get prices for coverage on the web. Getting online rates is easy for anyone because it's just a matter of typing in the coverage amounts you desire as requested by the quote form. Once entered, their system orders reports for credit and driving violations and quotes a price determined by many factors. Getting online rate quotes makes comparing rates easy, and it is important to have as many quotes as possible in order to find the best auto insurance rates.

To save time and compare rates using this form now, compare quotes from the companies shown below. If you have a policy now, it's recommended you enter deductibles and limits as close as possible to your current policy. This guarantees you will get rate quotes based on the exact same insurance coverage.

The following companies are our best choices to provide price comparisons in Chino Hills, CA. If you want the best car insurance in California, it's a good idea that you get prices from several of them to find the lowest car insurance rates.

Insurance Price Estimates for Popular Vehicles in Chino Hills
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,272 $636 $106
Chevrolet Malibu LT $1,766 $883 $147
Chevrolet Silverado LS Regular Cab 4WD $1,212 $606 $101
Dodge Ram Quad Cab ST 2WD $1,320 $660 $110
Ford Escape XLT 4WD $1,360 $680 $113
Ford Explorer XLT AWD $1,108 $554 $92
Ford F-150 XLT Super Cab 2WD $1,244 $622 $104
Ford Focus S 4-Dr Sedan $1,526 $763 $127
GMC Sierra SL Crew Cab 2WD $1,436 $718 $120
Honda Accord EX-L 4-Dr Sedan $962 $481 $80
Honda CR-V EX-L 4WD $906 $453 $76
Honda Civic VP 4-Dr Sedan $1,590 $795 $133
Hyundai Elantra SE 4-Dr Sedan $1,256 $628 $105
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,608 $804 $134
Nissan Altima 3.5 SR 4-Dr Sedan $1,676 $838 $140
Toyota Camry LE $1,566 $783 $131
Toyota Corolla S $1,588 $794 $132
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in specific location information which can change insurance rates significantly.

Does it make sense to buy full coverage?

The illustration below visualizes the comparison of Toyota Corolla insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents, no driving violations, $100 deductibles, married female driver, and no discounts are applied to the premium.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no definitive guideline for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Toyota Corolla replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If it's costing you more than $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where removing full coverage is not a good idea. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The tables below summarize the price difference when you choose different coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can alter price quotes significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $45 more each month or $540 a year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claim filings, you would save money going with the higher deductible. The table below shows a better example of how this determination is made.

Average monthly premium for $100 deductibles: $147
Average monthly premium for $1,000 deductibles (subtract): - $102
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you do file a claim. You need to make sure you have some available funds in order to pay the higher deductible.

Illustration showing the impact of accidents and violations

The information below demonstrates how traffic citations and at-fault collisions increase Honda Accord annual premium costs for different insured age categories. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Reduce Your Rates with these tips

Smart consumers have a good feel for some of the elements that come into play when calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that can earn you lower premium levels.

Credit rating impacts premiums - Credit score factor in determining what you pay for insurance. Drivers with very high credit ratings tend to be more responsible as compared to drivers with lower ratings. So if your credit could use some work, you may save money insuring your vehicle by taking the time to improve your credit score.

Fast cars cost more to insure - The performance of the vehicle you are buying insurance for makes a substantial difference in your car insurance bill. Low performance passenger cars generally receive the lowest base rates, but your final cost has many other factors.

Deter car thieves - Selecting a car model that has an advanced theft prevention system can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.

More people means more accidents - Choosing to live in smaller towns and rural areas of the country can save you money when insuring your vehicles. Drivers in populated areas regularly have much more traffic and much longer commute distances. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.

Prices for men may be higher - Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn't prove that men are worse drivers. Both sexes are in accidents at about the same rate, but males cause more damage. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI).

Tailor your insurance coverage to you

When it comes to buying insurance from an agent or online, there isn't really a "perfect" insurance plan. Each situation is unique.Higher deductibles save money

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Compare prices but buy from a local neighborhood Chino Hills car insurance agent

Many people would rather talk to an insurance agent and that is recommended in a lot of cases A good thing about comparing rate quotes online is the fact that you can find the best rates and still buy from a local agent. And buying from neighborhood insurance agencies is important particularly in Chino Hills.

Find insurance agent in Chino HillsAfter filling out this form (opens in new window), your coverage information is emailed to agents in your area that can give you free Chino Hills car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent immediately to you. It's the lowest rates without requiring a lot of work. If you have a need to get a comparison quote from a specific auto insurance provider, feel free to search and find their rate quote page and complete a quote there.

When narrowing the list to find a reliable insurance agent, you must know there are a couple different types of agents and how they can quote your rates. Chino Hills agents are considered either independent or exclusive.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent are not employed by one company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, they simply switch companies in-house without you having to go to a different agency.

When comparison shopping, you will definitely want to get insurance quotes from several independent insurance agents to have the best price comparison.

Exclusive Insurance Agencies

These type of agents generally can only insure with one company such as American Family, State Farm, and AAA. They usually cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are well schooled on sales techniques which helps them sell insurance even at higher premiums.

Choosing the best insurance agent requires more thought than just a low price. Here are some questions you should ask.

Why you need to buy car insurance

Despite the high cost of buying insurance in Chino Hills, maintaining insurance is required in California but it also protects you in many ways.

First, just about all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your vehicle, more than likely the lender will force you to have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle at a more expensive rate and require you to pay for the much more expensive policy.

Third, insurance safeguards not only your car but also your assets. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. As of last year, the average driver in California is overpaying over $810 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Auto insurance overall losses by make and model

Which vehicle models have a high chance of claims? The following claim statistics list the best and worst models for overall likelihood of having to file claims for each type of coverage.

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 3500 Kia Forte
Ford F-350 SuperCrew Chevrolet Spark
Audi A4 Allroad Dodge Charger
Ford Expedition Hyundai Accent
Tesla Model S Nissan Sentra

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

Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Lancer
Acura MDX Chrysler 200
Subaru Outback Hyndai Accent
Volvo XC60 Kia Optima
Chevrolet Corvette Chevrolet Cruze
Mercedes-Benz SL Class Kia Rio

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

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental Flying Spur
GMC Canyon Maserati Granturismo
Ford F-250 SuperCab Bently Continental GT
Ford Edge Audi RS7
Smart ForTwo BMW M6
Jeep Wrangler Maserati Ghibli

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevy Spark Bentley Continental GTC
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Xterra Maserati Granturismo
Infiniti QX50 BMW M6
GMC Sierra 2500 Audi S7
Nissan Leaf Bentley Continental GT

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

Insurance savings summarized

We just showed you many tips how you can reduce insurance rates online in Chino Hills. It's most important to understand that the more times you quote, the better chance you'll have of finding inexpensive Chino Hills car insurance quotes. Consumers could even find that the lowest rates are with a smaller regional carrier.

When you buy Chino Hills car insurance online, it's not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

People switch companies for many reasons like unfair underwriting practices, questionable increases in premium, policy non-renewal and extreme rates for teen drivers. It doesn't matter what your reason, switching companies can be less work than you think.

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