Would you like to stop wasting money and find more competitive insurance rates in Citrus Heights, CA? Citrus Heights consumers have options when looking for affordable car insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance so you're going to learn the quickest way to get price quotes for a new or used and get the lowest price.

It's a good idea to take a look at other company's rates periodically because insurance prices trend upward over time. Just because you had the lowest price on insurance on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because we're going to demonstrate how to quote online to find great coverage at a great price.

The companies shown below are our best choices to provide comparison quotes in Citrus Heights, CA. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Insurance Estimates for Popular Vehicles in Citrus Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,028 $514 $86
Chevrolet Impala LS $1,142 $571 $95
Chevrolet Malibu LT $1,566 $783 $131
Chevrolet Silverado Crew Cab Hybrid 2WD $1,678 $839 $140
Dodge Ram Crew Cab SLT 2WD $1,146 $573 $96
Ford Edge Sport 2WD $1,638 $819 $137
Ford Escape XLT 4WD $1,358 $679 $113
Ford F-150 FX4 4WD $1,728 $864 $144
Ford Focus SE 2-Dr Coupe $1,498 $749 $125
GMC Sierra SLE Regular Cab 2WD $1,518 $759 $127
Honda Accord LX-S 2-Dr Coupe $1,720 $860 $143
Honda CR-V EX 4WD $1,158 $579 $97
Honda Civic EX-L 2-Dr Coupe $1,658 $829 $138
Hyundai Elantra SE Touring Station Wagon $1,422 $711 $119
Jeep Grand Cherokee SRT-8 4WD $1,884 $942 $157
Nissan Altima Hybrid 4-Dr Sedan $1,284 $642 $107
Toyota Camry Hybrid $1,600 $800 $133
Toyota Corolla LE $1,854 $927 $155
Volkswagen Jetta SE 4-Dr Sedan $1,252 $626 $104
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in specific location information which can change premiums significantly.

Bad driving habits will cost you more

The information below illustrates how speeding tickets and at-fault claims impact Kia Optima insurance rates for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

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

Higher deductibles lower rates

The chart below illustrates how choosing a deductible and can raise or lower Honda Pilot insurance prices for different age categories. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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

How much more does full coverage cost in Citrus Heights?

The diagram below shows the comparison of Chevrolet Malibu premium costs with full phyical damage coverage and with liability coverage only. The rate quotes are based on no accidents or driving violations, $250 deductibles, single female driver, and no additional discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no clear-cut rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Chevrolet Malibu claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.