Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say many Diamond Bar consumers feel financially strained by their car insurance policy.
Unbelievable but true according to a study most car insurance policyholders have remained with the same car insurance company for more than four years, and nearly 40% of drivers have never taken the time to shop around. Consumers in California could save an average of 35% each year just by comparing rates, but most undervalue the amount of savings they would get if they replace their high priced policy. Due to the large number of options when it comes to car insurance, it's difficult to locate the right insurer.
It's a good habit to shop coverage around before your policy renews because car insurance prices trend upward over time. Even if you got the best rate on car insurance two years ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.
How to get affordable car insurance in Diamond Bar
The providers in the list below can provide quotes in California. To locate the best auto insurance in California, we suggest you compare several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$1,342||$671||$112|
|Chevrolet Impala LS||$1,462||$731||$122|
|Chevrolet Silverado LS Crew Cab 2WD||$1,340||$670||$112|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,570||$785||$131|
|Ford Escape XLS 4WD||$1,174||$587||$98|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,348||$674||$112|
|Ford Focus SES 2-Dr Coupe||$1,494||$747||$125|
|Honda Accord LX 4-Dr Sedan||$1,028||$514||$86|
|Honda CR-V EX 2WD||$1,028||$514||$86|
|Honda Civic EX-L 2-Dr Coupe||$1,852||$926||$154|
|Jeep Grand Cherokee Laredo 4WD||$1,396||$698||$116|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,876||$938||$156|
|Toyota Camry SE||$1,620||$810||$135|
|Toyota Corolla S||$1,388||$694||$116|
|Toyota RAV4 Limited 2WD||$1,566||$783||$131|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in Diamond Bar location which can lower or raise insurance rates substantially.
Car insurance prices based on gender
The diagram below illustrates the comparison of annual premium costs for male and female drivers in Diamond Bar. The rates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration on a GMC Acadia SLT.
GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Car insurance policy discounts
Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be manually applied prior to receiving the credit. If they aren't giving you every credit you deserve, you are not getting the best rate possible.
- Save with More Vehicles Insured - Buying a policy with more than one vehicle with one company may reduce the rate for each vehicle.
- E-sign - Some insurance companies will provide an incentive simply for signing on their website.
- Air Bags and Passive Restraints - Factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- Anti-lock Brake System - Cars with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
- Driving Data Discount - Insureds that choose to allow their car insurance company to scrutinize where and when they drive by using a telematic data system such as Progressive's Snapshot might see lower rates if they have good driving habits.
- Buy New and Save - Buying a new car model can save you some money because newer models have to meet stringent safety requirements.
- One Accident Forgiven - This one is not really a discount per se, but companies like Progressive, State Farm and GEICO will let one accident slide before hitting you with a surcharge so long as you are claim-free before the accident.
- Payment Discounts - By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.
Car insurance companies that have most of these discounts are:
If you want cheaper Diamond Bar car insurance quotes, ask every company to apply every possible discount. All car insurance discounts may not apply to policyholders everywhere.
Three reasons to insure your vehicle
Despite the high insurance cost in Diamond Bar, insurance may not be optional for several reasons.
- Most states have minimum liability requirements which means you are required to carry a minimum amount of liability if you want to drive 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.
- If you took out a loan on your vehicle, more than likely the lender will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your vehicle at an extremely high rate and make you pay for it.
- Insurance protects both your vehicle and your assets. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If damage is caused by hail or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance more than cancel out the cost, particularly for liability claims. Unknowingly, the average driver overpays more than $820 a year so it's important to compare rates at least once a year to ensure rates are inline.