Searching for the cheapest insurance for a car in California can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare car insurance rates so we're going to tell you the quickest way to price shop coverage for a new or used and get the lowest possible price from National City insurance agents and online providers.

Smart consumers take time to get comparison quotes as often as possible because insurance prices fluctuate regularly. Just because you had the best deal on car insurance last year you can probably find a lower rate today. You can find a lot of wrong information about car insurance out there, but we're going to give you some tested techniques to reduce your car insurance bill.

Obtaining price quotes for the best auto insurance in National City is easy if you know what you're doing. If you have coverage now or are shopping for new coverage, you can follow these tips to buy cheaper auto insurance and still get good coverage. Consumers just need to understand how to compare company rates instantly.

Reducing your insurance rates can be relatively painless. The only thing you need to do is take a couple of minutes comparing rates from different insurance companies.

The companies in the list below provide price quotes in National City, CA. If your goal is to find cheap auto insurance in California, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in National City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,202 $601 $100
Chevrolet Silverado LT Extended Cab 4WD $1,304 $652 $109
Dodge Grand Caravan SXT $1,766 $883 $147
Dodge Ram Quad Cab ST 2WD $1,164 $582 $97
Ford Escape XLS 4WD $886 $443 $74
Ford F-150 STX Super Cab 2WD $1,598 $799 $133
Ford Focus S 4-Dr Sedan $1,322 $661 $110
Honda Accord EX 4-Dr Sedan $1,328 $664 $111
Honda CR-V EX 4WD $1,316 $658 $110
Honda Civic SI 4-Dr Sedan $1,450 $725 $121
Hyundai Elantra GLS 4-Dr Sedan $2,022 $1,011 $169
Kia Optima SX $2,018 $1,009 $168
Nissan Altima Hybrid 4-Dr Sedan $1,264 $632 $105
Nissan Rogue SL AWD $1,282 $641 $107
Toyota Camry LE $1,566 $783 $131
Toyota Corolla XLE $1,202 $601 $100
Toyota RAV4 4WD $1,372 $686 $114
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,520 $760 $127
Volkswagen Jetta SE 4-Dr Sedan $1,676 $838 $140
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can affect premiums significantly.

Should you raise deductibles?

One frequently asked question is where to set your physical damage deductibles. The following tables may help to illustrate the premium difference between high and low physical damage coverage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

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

Toyota Camry insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $342 $576 $442 $26 $132 $1,543 $129
Camry SE $342 $678 $442 $26 $132 $1,645 $137
Camry XLE $342 $678 $442 $26 $132 $1,645 $137
Camry Hybrid $386 $678 $500 $30 $150 $1,769 $147
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Toyota Camry insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $210 $362 $442 $26 $132 $1,172 $98
Camry SE $210 $426 $442 $26 $132 $1,236 $103
Camry XLE $210 $426 $442 $26 $132 $1,236 $103
Camry Hybrid $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 safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premiums significantly.

We can estimate from the data above that using a $250 deductible costs an average of $34 more each month or $408 for a full year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 22 months between claim filings, you would probably be better off if you elect the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $138
Average monthly premium for $1,000 deductibles (subtract): - $104
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Full coverage rates compared to liability-only

The illustration below visualizes the comparison of Chevrolet Malibu yearly insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no claims, a clean driving record, $250 deductibles, single male 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.

Are you wasting money paying for full coverage?

There is no set guideline of when to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Chevrolet Malibu claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying over $600 annually for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Auto insurance rates by gender and age

The example below compares insurance rates for male and female drivers in National City. The costs are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in on a Ford Escape XLS.

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

Why you need quality insurance for your vehicle

Despite the high insurance cost in National City, car insurance may be required and benefits you in several ways.

The benefits of having car insurance definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in California overpays as much as $865 each year so it's recommended you shop around each time the policy renews to save money.

Insurance advertising tricks

Consumers can't avoid all the ads that claim the lowest prices by State Farm and Allstate. They all seem to convey the message that drivers can save some big amount if you just switch your auto insurance coverage to their company.

How is it plausible that every one can have lower policy pricing? Here is how they do it.

All companies offer their best rates for the type of driver that will generate a profit. One example of a profitable customer should be over the age of 35, owns their home, and drives a lower-performance vehicle. Any driver that meets those criteria will get the preferred premium rates in National City and will pay quite a bit less when switching companies.

Potential insureds who cannot meet this ideal profile will be charged a more expensive rate and the customer buying from a different company. The ads say "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can claim big savings.

Different companies use different criteria so drivers should compare as many free National City car insurance quotes as you can. It is impossible to predict with any certainty which company will fit your personal profile best.

Six discounts for lower National City auto insurance rates

Car insurance companies don't necessarily list every policy discount in a way that's easy to find, so the list below details both well-publicized and also the lesser-known credits available to you.Auto insurance discounts

A quick disclaimer, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it's just not the way it works.

A few popular companies and a partial list of their discounts can be read below.

Double check with every prospective company which discounts can lower your rates. A few discounts may not be offered in your area.

Compare rates but buy from a neighborhood National City auto insurance agent

Some people would rather buy from a licensed agent and we recommend doing that Good insurance agents can make sure you are properly covered and help submit paperwork. An additional benefit of comparing insurance online is that drivers can save money and get cheap rate quotes and still buy from a local agent. Buying from and supporting local insurance agents is important particularly in National City.

Insurance agents in National CityTo make it easy to find an agent, after completing this short form, your information is immediately sent to participating agents in National City who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to contact an agency because quoted prices will be sent directly to your email. If you have a need to get a rate quote from a particular provider, feel free to visit that company's website to submit a rate quote request.

Best auto insurance agent in National City

If you are searching for a reputable insurance agent or broker, it's helpful to know the different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in National City may be either independent agents or exclusive agents depending on their employer. Both sell insurance policies, but it's good to learn the difference between them since it can affect your selection of an agent.

Independent Agents (or Brokers)

Independent insurance agents do not sell for just one brand so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move your policy to a different company and you stay with the same agent.

If you need cheaper insurance rates, you need to get several quotes from several independent insurance agents to have the most options to choose from. Most also have access to small regional insurance companies which could offer lower prices.

Exclusive Insurance Agencies

These type of agents can only write with one company like Farmers Insurance, State Farm, or Allstate. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Some people will only choose to use an exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.

Finding a good insurance agency should include more criteria than just the premium amount. These are some questions you should get answers to.

Tailor your car insurance coverage to you

When buying coverage online or from an agent, there really is no one-size-fits-all type of policy. Your financial needs are unique so your insurance needs to address that.Car insurance savings These are some specific questions can aid in determining if your situation would benefit from an agent's advice.

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer and hitting a bird. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Comprehensive Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo Maserati Granturismo
Nissan Leaf Audi S7
Ford F-350 Bentley Continental GTC
Chevy Spark Bentley Continental GT
Volvo V60 BMW M6
Chevy Silverado 2500 Porsche Panamera GTS

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

Liability insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 15/30/5 which stand for $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people's vehicles, court costs and emergency aid. How much coverage you buy is up to you, but it's cheap coverage so purchase as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Mercedes-Benz SL Class Chevrolet Sonic
Volvo XC60 Kia Optima
Subaru Outback Kia Rio
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Mitsubishi Lancer
Acura MDX Hyndai Accent

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

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, surgery, doctor visits, ambulance fees and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Land Rover Range Rover Sport Hyundai Accent
Audi A4 Allroad Nissan Versa
Ford F-350 SuperCrew Nissan Sentra
Ford F-250 SuperCrew Kia Forte
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Corvette Mitsubishi Lancer

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

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Lowest and Highest Collision Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mini Cooper Bently Continental GTC
Ford F-150 SuperCrew Maserati Ghibli
Nissan Xterra Bently Continental GT
GMC Canyon Ferrari 458
Chevrolet Colorado Maserati Granturismo
Ford F-250 SuperCab BMW M6

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

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your vehicle.

Because many people carry very low liability coverage limits (15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy's liability coverage.

Persistence is the key to affordable rates

There are still a few companies who don't offer rate quotes online and most of the time these smaller providers prefer to sell through independent insurance agents. Low-cost car insurance in National City is available from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.

You just read many ways to find cheaper coverage online. It's most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates are with a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

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