Overpriced auto insurance in Ukiah can deplete your family's budget and force you to make sacrifices. Doing a price comparison is free and is an excellent way to cut your insurance bill.

A study showed that the vast majority of drivers kept their policy with the same company for well over three years, and virtually 40% of consumers have never shopped around. Drivers in Ukiah could save up to 35% a year, but they just don't understand how much savings they would realize if they switched to a cheaper policy.

Due to the increasing number of options, it's difficult to find the cheapest insurer.

These techniques will familiarize you with how to compare rates easily and also save some money in the process If you're already insured, you stand a good chance to be able to find better prices using the ideas presented in this article. Although California vehicle owners can benefit from knowing how companies calculate your insurance rates and apply this information to your search.

How to shop car insurance online

There are several ways to obtain and compare prices from all the different companies. The simplest method to compare rates is simply to get online rate quotes.

Comparing price quotes online is fast and free, and it takes the place of having to waste gas driving to and from local insurance agencies. Comparing online rate quotes makes this unnecessary unless you have a complicated situation and need the advice and guidance that only an agent can give. Some companies do allow you to comparison shop your insurance online but have a local Ukiah agent actually write the policy.

When comparison shopping, comparing more rates from different companies gives you a better chance of getting more affordable insurance.

The auto insurance companies shown below provide price comparisons in Ukiah, CA. To find the best car insurance in California, we suggest you visit as many as you can to find the cheapest auto insurance rates.

Insurance Costs for Popular Vehicles in Ukiah
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,056 $528 $88
Chevrolet Malibu LT $1,766 $883 $147
Chevrolet Silverado LT Regular Cab 2WD $1,238 $619 $103
Dodge Ram Quad Cab SLT 4WD $1,608 $804 $134
Ford Escape Limited 2WD $1,126 $563 $94
Ford Explorer Limited 2WD $1,256 $628 $105
Ford F-150 XLT Crew Cab 2WD $1,462 $731 $122
Ford Focus SE 2-Dr Coupe $1,312 $656 $109
Honda Accord EX 2-Dr Coupe $1,178 $589 $98
Honda CR-V EX 2WD $992 $496 $83
Honda Civic SI 4-Dr Sedan $1,134 $567 $95
Hyundai Sonata SE 4-Dr Sedan $1,566 $783 $131
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,440 $720 $120
Nissan Altima 2.5 S 4-Dr Sedan $1,454 $727 $121
Nissan Rogue SL 2WD $1,492 $746 $124
Toyota Camry XLE $1,280 $640 $107
Toyota Corolla XLE $1,230 $615 $103
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,048 $524 $87
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in specific garaging location which can decrease or increase coverage rates greatly.

Liability-only versus full coverage

The illustration below shows the comparison of Honda Accord auto insurance rates with full phyical damage coverage and with liability coverage only. The premiums are based on no claims or violations, $1,000 deductibles, married male driver, and no discounts are factored in.

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

When to stop paying for full coverage

There is no definitive rule that works best for making the decision to drop physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's pretend your Honda Accord replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Cautious Ukiah drivers save money

The illustration below highlights how traffic violations and at-fault claims increase Honda Pilot annual premium costs for different age groups. The data is based on a married male driver, full coverage, $100 deductibles, 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.

Comparison of policy deductibles

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The rates below help summarize the rate fluctuation between high and low policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $380 $686 $500 $30 $150 $1,771 $148
Sonata GLS 4-Dr Sedan $380 $686 $500 $30 $150 $1,771 $148
Sonata GLS 4-Dr Sedan $380 $686 $500 $30 $150 $1,771 $148
Sonata SE 4-Dr Sedan $380 $810 $500 $30 $150 $1,895 $158
Sonata SE 4-Dr Sedan $380 $810 $500 $30 $150 $1,895 $158
Sonata Limited 4-Dr Sedan $430 $810 $500 $30 $150 $1,945 $162
Sonata Limited 4-Dr Sedan $430 $810 $500 $30 $150 $1,945 $162
Get a Quote for Your Vehicle Go
Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata GLS 4-Dr Sedan $210 $362 $500 $30 $150 $1,252 $104
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata SE 4-Dr Sedan $210 $426 $500 $30 $150 $1,316 $110
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Sonata Limited 4-Dr Sedan $238 $426 $500 $30 $150 $1,344 $112
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums significantly.

Based on these figures, using a $100 deductible costs about $47 more each month or $564 each year than buying the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 19 months between claims, you would probably be better off going with the higher deductible.

Auto insurance discounts are available to cut your rates

Auto insurance can be pricey, but discounts can save money and there are some available that you may not know about. A few discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically before you will receive the discount. If you check and find you aren't receiving every discount available, you're just leaving money on the table.Auto insurance discounts

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you aren't that lucky.

Popular auto insurance companies and some of the premium reductions they offer are detailed below.

If you need lower rates, check with every insurance company to give you their best rates. Some discounts listed above may not be available in Ukiah.

Get lower-cost costs by understanding these factors

Consumers need to have an understanding of some of the elements that help calculate your auto insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that could result in big savings.

The following are a partial list of the pieces that factor into prices.

Compare prices but buy from a local neighborhood Ukiah car insurance agent

A lot of people prefer to talk to a local agent and that is a smart decision One of the great benefits of comparing rate quotes online is you can get cheaper rates but also keep your business local. And buying from neighborhood agents is still important in Ukiah.

Ukiah insurance agentsAfter filling out this quick form, your coverage information is transmitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. There is no reason to find an agent on your own since rate quotes are delivered directly to your email. You'll get the best rates without a big time investment. If for some reason you want to compare prices for a specific company, you just need to search and find their rate quote page and give them your coverage information.

Finding a good insurance company should depend on more than just a cheap quote. These are some questions your agent should answer.

Insurance is unique, just like you

When selecting your policy, there really is no perfect coverage plan. You are unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that could help you determine if you would benefit from an agent's advice.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

More effort can pay off

As you restructure your insurance plan, it's a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best possible price, but do not skimp to save money.

We just covered many tips how you can save on auto insurance in Ukiah. The most important thing to understand is the more you quote Ukiah auto insurance, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Much more information about auto insurance in California can be read at the links below