Want cheaper insurance rates in Norwalk, CA? Norwalk shoppers have many options when shopping for the best price on car insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to compare rates.
There is a better way to compare insurance rates and we'll show you the best way to get price quotes on a and obtain the lowest price from Norwalk insurance agents and online providers.
Cheap Norwalk car insurance
Reducing your insurance rates is actually quite simple. All that's required is to invest a little time comparing rates from some recommended companies.
The companies in the list below can provide price quotes in California. If multiple companies are listed, it's a good idea that you visit 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 LTZ Crew Cab 4WD||$1,710||$855||$143|
|Dodge Grand Caravan Hero||$1,566||$783||$131|
|Dodge Ram Quad Cab Laramie 2WD||$1,332||$666||$111|
|Ford Escape XLS 4WD||$1,280||$640||$107|
|Ford F-150 Lariat Crew Cab 2WD||$1,330||$665||$111|
|Ford Focus SES 4-Dr Sedan||$1,380||$690||$115|
|Honda Accord LX-P 4-Dr Sedan||$1,280||$640||$107|
|Honda CR-V LX 2WD||$1,428||$714||$119|
|Honda Civic EX 4-Dr Sedan||$1,798||$899||$150|
|Honda Odyssey Touring||$2,072||$1,036||$173|
|Mazda 3 I Touring 4-Dr Sedan||$1,552||$776||$129|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,730||$865||$144|
|Toyota Camry XLE||$1,606||$803||$134|
|Toyota Corolla LE||$1,280||$640||$107|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in specific garaging location which can impact premium rates noticeably.
Auto insurance deductibles
The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below can help show the rate differences when you choose different coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific location which can revise price quotes greatly.
We can derive from the above data that using a $100 deductible costs approximately $48 more each month or $576 a year than choosing the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 19 months between claims, you would most likely save money if you choose the higher deductible.
Best reasons to buy auto insurance in California
Despite the fact that auto insurance is not cheap in Norwalk, buying auto insurance is required for several reasons.
First, the majority of states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage in order to drive the car legally. 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 bought your vehicle with a loan, it's most likely the lender will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank may buy a policy for your vehicle for a much higher rate and require you to pay for the much more expensive policy.
Third, auto insurance protects both your assets and your vehicle. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having auto insurance greatly outweigh the cost, especially if you ever need it. The average driver in California overpays more than $865 each year so smart consumers compare quotes every year to make sure the price is not too high.
Discounts for cheap car insurance quotes
Car insurance is easily one of your largest bills, but there could be significant discounts to help offset the cost. Certain reductions will be credited at quote time, but less common discounts must be inquired about before they will apply.
- Passive Restraints and Air Bags - Factory air bags may earn rate discounts of 20% or more.
- Memberships - Belonging to specific professional or occupational memberships or organizations could trigger savings on your next renewal.
- Accident Forgiveness Coverage - Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase so long as you haven't had any claims for a certain period of time.
- Resident Student - Children who are attending college and do not take a car to college may be insured at a cheaper rate.
- Multi-car Discount - Buying coverage for all your vehicles with one company can get a discount for every vehicle.
- Low Mileage Discounts - Driving fewer miles could be rewarded with lower car insurance rates due to less chance of an accident.
- Senior Citizen Rates - Older drivers can get a small discount on rates.
It's important to understand that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Even though it appears it's possible to get free car insurance, it's just not the way it works.
If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Norwalk, click here.
Compare rates but buy from a neighborhood Norwalk auto insurance agent
Many people prefer to go talk to an agent and that can be a great decision Experienced insurance agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of comparing rates online is you may find cheap auto insurance rates but still work with a licensed agent. And supporting neighborhood agents is definitely important in Norwalk.
To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to local insurance agents in Norwalk that can provide free Norwalk car insurance quotes to get your business. It makes it easy because there is no need to leave your computer because quoted prices will be sent directly to your email. If you need to get a comparison quote from a specific insurance company, you would need to jump over to their website and submit a quote form there.
When looking for a local insurance agency, it's important to understand the types of insurance agents to choose from. Norwalk agents can be categorized as either exclusive or independent agents depending on their company appointments. Either one can sell auto insurance policies, but we need to point out how they differ since it can impact the selection process.
Independent Auto Insurance Agents (or Brokers)
These agents can quote rates with many companies and that enables them to quote your coverage with many different companies and get you the best rates possible. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent. If you are comparing rate quotes, you should always include price quotes from at a minimum one independent agency in order to compare the most rates. They also have the ability to place coverage with companies that do not advertise much that may have much lower rates than larger companies.
Agents in the exclusive channel normally can only provide a single company's rates like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agents are well schooled on their company's products which helps offset the inability to provide other markets. Many people buy from the same agent for years primarily because of the brand name rather than having low rates.
Deciding on an insurance agent is decision based upon more than just a low price. Here are some questions you might want to ask.
- Do they write coverage based solely on cost?
- Will the company cover a rental car if your car is getting fixed?
- Do they get paid more for recommending certain coverages?
- How long have they worked with personal auto insurance coverage?
- Is the agency active in community causes in Norwalk?
- Does the company use OEM repair parts?
- Is assistance available after office hours?
Tailor your insurance coverage to you
When it comes to coverage for your vehicles, there really is no "perfect" insurance plan. Your financial needs are unique.
Here are some questions about coverages that might point out whether your personal situation would benefit from an agent's advice.
- Does my insurance cover my expensive audio equipment?
- If I drive on a suspended license am I covered?
- Is there coverage for my trailer?
- What is the premium to book value ratio for dropping full coverage?
- Am I covered when using my vehicle for business?
- Can I use my car for my catering business?
- Will damage be repaired with OEM parts?
- Do they offer discounts for home and auto coverage?
- Who is covered when they drive my vehicle?
- What are the best liability limits?
If you can't answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Don't give up on affordable premiums
We just presented some good ideas how to get a better price on insurance in Norwalk. It's most important to understand that the more you quote Norwalk car insurance, the better your comparison will be. You may even find the lowest priced insurance comes from some of the lesser-known companies.
Consumers leave their current company for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, high prices and lack of trust in their agent. No matter why you want to switch, finding a new company can be easy and end up saving you some money.
Cheap insurance in Norwalk is attainable on the web in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and usually these regional carriers work with independent agencies.
For more information, link through to the resources below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Much are California Car Insurance Rates for a Toyota Tacoma? (FAQ)
- How Much are Car Insurance Quotes for Drivers with a Bad Driving Record in California? (FAQ)
- What Auto Insurance is Cheapest for Used Cars in California? (FAQ)
- Who Has Cheap California Auto Insurance Quotes for Lyft Drivers? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)