Comparison shopping for low cost insurance can be very difficult for drivers who have little experience online comparison shopping. When there are so many companies in the marketplace, it can turn into a difficult challenge to locate the lowest price in California.

Surprisingly, a recent survey revealed that most insurance buyers kept their policy with the same company for over three years, and roughly 40% of drivers have never compared quotes from other companies. California drivers could cut their rates by approximately 35% a year just by shopping around, but they just feel it's too hard to compare rates and save money.

Low-cost companies for Cudahy auto insurance

The companies in the list below can provide free quotes in Cudahy, CA. To buy cheap car insurance in California, we recommend you visit as many as you can to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Cudahy
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,422 $711 $119
Chevrolet Malibu LTZ $1,598 $799 $133
Chevrolet Silverado Crew Cab Hybrid 4WD $1,542 $771 $129
Dodge Ram Crew Cab ST 2WD $1,122 $561 $94
Ford Escape XLT 2WD $982 $491 $82
Ford F-150 XLT Regular Cab 4WD $1,244 $622 $104
Ford Focus S 4-Dr Sedan $1,142 $571 $95
Honda Accord LX 4-Dr Sedan $1,452 $726 $121
Honda CR-V LX 2WD $986 $493 $82
Honda Civic VP 4-Dr Sedan $1,452 $726 $121
Kia Optima SX $1,600 $800 $133
Nissan Altima 2.5 S 4-Dr Sedan $1,424 $712 $119
Toyota Camry LE $1,388 $694 $116
Toyota Corolla LE $1,232 $616 $103
Toyota Prius $1,456 $728 $121
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in your specific Cudahy location which can influence prices substantially.

Full coverage rates vs. liability-only

The illustration below examines Chevrolet Silverado insurance prices with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no policy discounts are applied.

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

Are you wasting money on full coverage?

There is no set rule to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more 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 Silverado settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The following insurance rates can help you understand the difference in cost when you select higher and lower insurance deductibles. The first pricing table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

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

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SE 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Focus SEL 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SES 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Focus SE 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Focus SES 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
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Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Data rating is based on 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. Price estimates do not factor in vehicle location which can affect coverage rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you approximately $32 more each month or $384 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would save more money if you elect the higher deductible. The numbers below show how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $1,000 deductibles (subtract): - $102
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that a higher deductible means you will have to pay more out-of-pocket when you do file a claim. You need to make sure you have a higher level of savings in the event you have to pay the higher deductible.

Smart buyers can cut their insurance rates

A large part of saving on insurance is knowing a few of the rating criteria that help determine your insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that could result in better insurance rates. Many different elements are used when pricing auto insurance. Some are obvious like an MVR report, but others are less apparent like your vehicle usage or your financial responsibility.

Shown below are a partial list of the pieces insurance companies consider when setting your rate level.

Discounts for married drivers - Having a spouse can get you a discount on your insurance policy. It generally demonstrates drivers are less irresponsible and it's proven that being married results in fewer claims.

Prices can be impacted by your occupation - Did you know your job can affect your rates? Careers such as lawyers, police officers, and financial analysts usually pay higher rates than the rest of us in part from intense work situations and long work hours. Conversely, jobs like professors, historians and the unemployed receive lower rates.

Liability coverage - Liability insurance will afford coverage if you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

More people means more accidents - Being located in a small town has definite advantages when insuring your vehicles. Residents of big cities have to deal with traffic congestion and longer commute times. Lower population means reduced accidents.

GPS tracking and theft deterrents systems cut rates - Selecting a car model with a theft deterrent system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.

Premiums are impacted by vehicle performance - The performance level of the car or truck you are insuring makes a substantial difference in the rate you pay. The cheapest insurance rates are usually found on low performance passenger cars, but other factors influence the final cost greatly.

Infrequent drivers can save - The more miles you rack up on your car each year the higher your rate. Almost all companies calculate rates determined by how the vehicle is used. Autos left parked in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your policy is showing the proper vehicle usage.

Discounts for lower Cudahy insurance rates

Companies offering auto insurance do not advertise every available discount very well, so we took the time to find a few of the more common and also the lesser-known discounts you could be receiving when you buy Cudahy auto insurance online.Cheaper insurance with discounts

Drivers should understand that most credits do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all the discounts add up to a free policy, companies don't profit that way.

Companies and a partial list of their discounts are:

If you need lower rates, check with every insurance company to give you their best rates. Some credits might not be available to policyholders in your area. If you would like to view providers who offer online insurance quotes in California, click this link.

Comparing rates from local Cudahy insurance agents

A small number of people prefer to talk to an insurance agent and there is nothing wrong with that. The biggest benefit of getting free rate quotes online is that you can obtain the best rates but also keep your business local. Buying from local insurance agencies is important particularly in Cudahy.

Find insurance agent in CudahyOnce you complete this simple form, your insurance data is instantly submitted to local insurance agents that can give you free Cudahy auto insurance quotes to get your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go straight to your inbox. You can find the lowest rates and work with a local agent. In the event you want to quote rates from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Picking the best insurer should depend on more than just a cheap price. These are some questions your agent should answer.

Smaller companies may have the best rates

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all advertise claims that you'll save big just by moving your coverage to them. How does every company give you a lower rate on insurance? You have to listen carefully.

Different companies quote their cheapest rates for the driver that will be a good risk. For instance, a profitable risk profile could be between 25 and 40, insures multiple vehicles, and has great credit. Any driver that fits those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Drivers who may not quite match these standards must pay higher premiums and this can result in the customer not buying. If you listen closely, the ads state "customers that switch" not "all people who quote" save that much money. That's the way insurance companies can claim big savings.

Different companies use different criteria so you need to compare price quotes frequently. It's just too difficult to predict which insurance companies will provide the lowest insurance in Cudahy.

Auto insurance claim information

Which are the best vehicles for low claims? The following tables list the best and worst models for the probability of having to file claims.

Lowest and Highest Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevy Spark Porsche Panamera GTS
Infiniti QX50 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Quattroporte
Volvo V60 Bentley Continental GTC
Nissan Xterra Maserati Granturismo
Nissan Leaf Bentley Continental GT

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

Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Tesla Model S Chevrolet Spark
Ford F-250 SuperCrew Mitsubishi Mirage
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 3500 Kia Forte
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Chevrolet Sonic

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

Auto Insurance Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Audi RS7
GMC Canyon Ferrari 458
Ford Edge BMW 6 Series
Jeep Wrangler Maserati Ghibli
Mini Cooper Nissan GT-R
Chevrolet Colorado BMW M6

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

Vehicles with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Chevrolet Corvette Kia Rio
Fiat 500 Chevrolet Impala
Subaru Outback Mitsubishi Mirage
Volvo XC60 Chevrolet Cruze
Acura MDX Hyndai Accent
Subaru Forester Mitsubishi Lancer

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

In conclusion

You just learned some good ideas how you can lower your car insurance premium rates in Cudahy. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Cudahy auto insurance quotes. Consumers may even find the lowest priced car insurance comes from a small local company.

People change insurance companies for any number of reasons including delays in paying claims, not issuing a premium refund, poor customer service or even an unsatisfactory settlement offer. It doesn't matter what your reason, finding a great new company can be easier than you think.

When searching for cheaper Cudahy auto insurance quotes, it's a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best cost while still protecting your assets.

Even more information can be read in the articles below: