Want to know an easy way to compare low-cost insurance rates in Clovis, CA? If you are new to online insurance, it's easy to get overwhelmed due to the large number local agents and online companies that all say they have the best rates.
A recent study showed that most insurance buyers kept their coverage with the same insurance company for a minimum of four years, and 38% of customers have never compared rates from other carriers. Clovis consumers could save about 35% every year, but they think it's difficult to find cheap insurance by shopping around.
The most recommended method to compare rates is to know most of the larger companies provide online access to compare their rates. All consumers are required to do is give them rating details such as how much you drive, if you are currently licensed, how much coverage you want, and if it has an alarm system. That rating data is instantly sent to many highly-rated insurers and they return cost estimate instantly.
To check rates for your car now, click here and find out if you can get cheaper insurance in Clovis.
The providers in the list below offer free rate quotes in Clovis, CA. To buy the cheapest car insurance in California, we suggest you compare several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 4WD||$1,388||$694||$116|
|Dodge Ram Crew Cab SLT 2WD||$1,642||$821||$137|
|Ford Escape Limited 2WD||$1,316||$658||$110|
|Ford F-150 Lariat King Ranch 2WD||$1,490||$745||$124|
|Ford Focus SEL 4-Dr Sedan||$1,206||$603||$101|
|GMC Sierra SLE Crew Cab 4WD||$1,450||$725||$121|
|Honda Accord EX-L 2-Dr Coupe||$1,744||$872||$145|
|Honda CR-V EX-L 4WD||$1,170||$585||$98|
|Honda Civic Hybrid 4-Dr Sedan||$1,592||$796||$133|
|Jeep Grand Cherokee Laredo 2WD||$1,532||$766||$128|
|Mazda 3 I Sport 4-Dr Sedan||$1,506||$753||$126|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,664||$832||$139|
|Toyota Camry SE||$1,454||$727||$121|
|Toyota Corolla LE||$1,452||$726||$121|
|Volkswagen Jetta SE 4-Dr Sedan||$1,514||$757||$126|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific Clovis garaging location which can raise or lower coverage rates noticeably.
How accidents and tickets impact rates in Clovis
The example below highlights how speeding tickets and accidents can affect Dodge Ram premium costs for each different age group. Data assumes a single male driver, full coverage, $100 deductibles, and no discounts are factored in.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison of men versus women
The diagram below visualizes the comparison of auto insurance costs for male and female drivers in Clovis. The rates are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no discounts are factored in on a Hyundai Sonata Limited.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Comparing prices from local Clovis insurance agencies
Some consumers just want to buy from a licensed agent and doing so can bring peace of mind An additional benefit of getting free rate quotes online is that you can find the lowest rates but still work with a licensed agent. And buying from local agents is important particularly in Clovis.
By using this form (opens in new window), your coverage information is transmitted to local insurance agents in Clovis who want to provide quotes for your auto insurance coverage. It's much easier because you don't need to search for any insurance agencies since rate quotes are delivered immediately to your email address. You'll get the best rates without requiring a lot of work. If you have a need to get a price quote from a specific company, you would need to search and find their rate quote page and complete a quote there.
If you want to buy auto insurance from a reliable insurance agency, there are a couple of different types of agents that you can choose from. Agencies in Clovis are either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel are not limited to a single company and that gives them the ability to insure amongst many companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and you can keep the same agent.
When comparing auto insurance prices, you will definitely want to get rate quotes from several independent agencies so that you can do a thorough price comparison. Most also have access to small regional insurance companies which can be an advantage.
Exclusive Auto Insurance Agents
Exclusive agents can only provide one company's prices like Farmers Insurance or State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are trained well in insurance sales and that allows them to sell at a higher price point. Consumers often buy from exclusive agents mostly because of the prominent brand name and solid financial strength.
Picking the best insurance agency should include more criteria than just a cheap quote. Some important questions to ask are:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they actively involved in the community?
- If your car is totalled, how to they determine the replacement cost?
- Which insurance companies are they affiliated with?
- Do they get extra compensation for selling add-on coverages?
- How many years have they been established?
After you get positive responses to your questions as well as a price you're happy with, it's a good possibility that you have found a car insurance agent that is reliable enough to service your policy. It's important to know that you can terminate coverage any time you want so don't assume that you are obligated to a policy for any length of time.