Are you tired of overpaying and want lower-priced insurance rates in Inglewood, CA? If you are new to online price comparisons, you can be bewildered by the confusing number of companies who all claim to have the lowest rates.

Sad but true, the vast majority of insurance customers have stayed with the same insurance company for at least four years, and almost half have never compared rates to find affordable insurance. Most drivers in Inglewood could save approximately 35% each year, but they just feel it's too hard to compare other rate quotes.

It's a great practice to take a look at other company's rates at least once a year because insurance prices change regularly. Even if you think you had the best rates on insurance a year ago you may be paying too much now. Ignore everything you know about insurance because it's time to teach you how to use online quotes to find better rates and still maintain coverage.

If you have a current car insurance policy, you stand a good chance to be able to reduce premiums using the ideas presented in this article. The goal of this article is to help educate you on the best methods to compare rates and how to save the most money. But California car owners do need to know the methods companies use to calculate your car insurance rates and use this information to your advantage.

Low cost insurance prices in Inglewood, CA

The majority of larger companies like State Farm, GEICO and Progressive allow you to get price estimates directly from their websites. Doing online quotes is fairly simple as all you need to do is type in the coverages you want into a form. After the form is submitted, their system obtains your driving record and credit report and returns a price quote based on these and other factors.

Quoting online makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to get the most affordable premium.

To get comparison pricing now, compare quotes from the companies shown below. To compare your current rates, we recommend you replicate the insurance coverages exactly as they are listed on your policy. This ensures you will have a rate comparison for similar insurance coverage.

The companies shown below have been selected to offer free rate quotes in Inglewood, CA. To buy cheap auto insurance in California, we recommend you visit two to three different companies to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Inglewood
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,094 $547 $91
Chevrolet Silverado LTZ Crew Cab 4WD $1,514 $757 $126
Dodge Ram Quad Cab SLT 4WD $1,904 $952 $159
Ford Escape XLS 4WD $1,094 $547 $91
Ford F-150 SVT Raptor Super Cab 4WD $1,376 $688 $115
Ford Focus S 4-Dr Sedan $1,298 $649 $108
Honda Accord EX-L 2-Dr Coupe $1,754 $877 $146
Honda CR-V LX 2WD $1,280 $640 $107
Honda Civic GX 4-Dr Sedan $1,566 $783 $131
Mazda 3 S Grand Touring 4-Dr Sedan $1,252 $626 $104
Nissan Altima 3.5 SR 2-Dr Coupe $1,902 $951 $159
Nissan Rogue SL AWD $1,568 $784 $131
Toyota Camry LE $1,896 $948 $158
Toyota Corolla S $1,606 $803 $134
Toyota Prius $1,682 $841 $140
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in your specific Inglewood location which can lower or raise prices significantly.

Rate comparison of males versus females

The information below shows the difference between car insurance rates for male and female drivers in Inglewood. The costs are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied on a Kia Optima LX.

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

Choosing deductibles

The example below demonstrates how deductibles and can increase or decrease Toyota Corolla insurance costs for different age groups. The prices are based on a married female driver, full coverage, and no discounts are applied.

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

Deductible comparison

When comparing auto insurance rates, the most common question is which deductibles should you choose. The following insurance rates illustrate the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second data 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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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in your specific Inglewood location which can increase or decrease coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $48 more each month or $576 every year than choosing the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would probably come out ahead if you elect the higher deductible.

Protect your vehicle and other assets

Even though rates can get expensive, maintaining insurance is required in California but it also protects you in many ways.

The benefits of buying car insurance more than offset the price you pay, particularly for liability claims. An average driver in America overpays as much as $750 every year so shop around at least once a year to make sure the price is not too high.

Informed consumers can cut their insurance rates

Many things are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are not as apparent such as whether you are married or how financially stable you are. An important part of buying insurance is that you know the different types of things that help calculate your insurance rates. If you understand what influences your rates, this enables you to make decisions that can earn you lower insurance prices.

Are you obtaining every discount?

Car insurance companies do not list all possible discounts in an easy-to-find place, so the following list contains some of the best known and also the lesser-known credits that may apply to you.Discount auto insurance

Policy discounts save money, but most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates it's possible to get free car insurance, you're out of luck.

Some of the insurance companies that may offer policyholders many of the previously listed discounts include:

Check with each insurance company how you can save money. A few discounts may not be available everywhere. To find insurance companies who offer discounts in Inglewood, click this link.

Buying from insurance agencies

Certain consumers just want to sit down and talk to an agent and that is not a bad decision A nice benefit of getting free rate quotes online is that drivers can save money and get the lowest rates but still work with a licensed agent.

After filling out this quick form, your insurance data is sent to agents in your area that give free quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any agents since price quotes are sent directly to you. You can get cheaper insurance rates AND an agent nearby. If you wish to get a comparison quote from a specific company, just jump over to their website and submit a quote form there.

Picking the best provider should include more criteria than just a cheap quote. Any agent in Inglewood should be forthright in answering these questions:

Insurance agent types

When looking for a local Inglewood insurance agency, there are two types of agencies that you can choose from. Inglewood agents are either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that elect to be exclusive work for only one company like Allstate and State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy from the same agent for years mostly because of the brand legacy rather than low rates.

Independent Insurance Agencies

Agents that elect to be independent are not employed by one company and that allows them to write policies amongst many companies and get the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house which makes it simple for you.

When comparison shopping, we recommend you contact several independent agencies so that you have a good selection of quotes to compare. Many write coverage with different regional companies which could offer lower prices.

If you feel you receive answers to your satisfaction to any questions you have and locked in a price quote, most likely you have located a car insurance agent that can insure your vehicles.

Best and worst vehicle claim statistics

What vehicles have the most claims? The following statistics list the highest and lowest vehicle models for the overall chance of having claims for each type of coverage.

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Maserati Granturismo
Volvo V60 Maserati Quattroporte
GMC Sierra 2500 Mercedes-Benz S Class
Ford F-350 BMW M6
Smart ForTwo Bentley Continental GT
Infiniti QX50 Bentley Continental GTC

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

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Nissan Sentra
Land Rover Range Rover Sport Chevrolet Sonic
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Hyundai Accent
Ford F-350 SuperCrew Nissan Versa
Audi A4 Allroad Mitsubishi Lancer

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

Vehicle Make and Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler BMW M6
Ford F-150 SuperCrew Nissan GT-R
Ford Edge BMW 6 Series
Mini Cooper Maserati Granturismo
Ford F-250 SuperCab Bently Continental GTC
Nissan Xterra Audi RS7

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

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Kia Optima
Fiat 500 Chevrolet Impala
Chevrolet Corvette Dodge Charger
Volvo XC60 Hyndai Accent
Acura MDX Mitsubishi Mirage
Audi A6 Mitsubishi Lancer

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

Do the work, save more money

When trying to cut insurance costs, don't be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn't have enough coverage. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, unfair underwriting practices or even denial of a claim. No matter why you want to switch, switching car insurance companies is not as difficult as it may seem.

Cost effective car insurance can be purchased on the web and from local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide the ability to get quotes online and many times these small, regional companies work with local independent agents.

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