Are you burned out from scraping nickels together to insure your vehicles every month? Your situation is no different than millions of other consumers.

Shocking but true, nearly 70% of drivers have purchased from the same company for four years or more, and just under half have never compared insurance rates at all. California drivers could save up to $469 a year just by getting comparison quotes, but they just assume it's a time-consuming process to do a rate comparison.

Companies like GEICO, 21st Century and Progressive continually bombard you with ad campaigns and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

When shopping for inexpensive Modesto car insurance quotes, there are a couple of ways to compare quotes from companies that offer auto insurance in California. The easiest way to comparison shop involves getting comparison quotes online.

Comparing quotes online is fast and free, and it makes it a waste of time to spend time driving to all the different insurance agencies. Comparing auto insurance rate quotes online makes this unnecessary unless you're the type of person who wants the advice and guidance that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop your insurance online but buy from a local Modesto insurance agent.

Just remember that comparing more prices helps you find more affordable rates. Some companies don't provide rate quotes online, so it's necessary to compare prices from them as well.

The companies shown below have been selected to offer price quotes in California. If you wish to find cheap car insurance in California, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Modesto
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,136 $568 $95
Chevrolet Impala LTZ $1,588 $794 $132
Chevrolet Silverado LS Extended Cab 4WD $1,896 $948 $158
Dodge Ram Quad Cab Laramie 2WD $1,618 $809 $135
Ford Escape Limited 4WD $1,776 $888 $148
Ford Explorer Eddie Bauer 4WD $1,366 $683 $114
Ford F-150 Lariat Crew Cab Platinum 2WD $1,284 $642 $107
Ford Focus SE 2-Dr Coupe $1,688 $844 $141
Honda Accord LX 4-Dr Sedan $1,178 $589 $98
Honda CR-V LX 4WD $1,482 $741 $124
Honda Civic SI 4-Dr Sedan $2,148 $1,074 $179
Nissan Altima Hybrid 4-Dr Sedan $1,660 $830 $138
Nissan Rogue S AWD $1,416 $708 $118
Toyota Camry XLE $1,202 $601 $100
Toyota Corolla LE $1,424 $712 $119
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,214 $607 $101
Volkswagen Jetta SE 4-Dr Sedan $1,124 $562 $94
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can change premiums considerably.

Rate comparison of males versus females in Modesto

The information below shows the comparison of insurance costs for male and female drivers in Modesto. The prices are based on no claims or driving citations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration on a GMC Acadia SLT.

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

Cheap Modesto car insurance quotes with discounts

Car insurance companies do not advertise the complete list of policy discounts in a way that's easy to find, so here is a list both the well known and the more hidden credits available to bring down your rates.Discount car insurance

Keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn't stay in business.

A list of companies and the discounts they provide can be found below.

Before purchasing a policy, check with each insurance company what discounts are available to you. Savings might not be offered in Modesto.

Find cheaper insurance with these tips

Many things are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are more transparent such as your marital status or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help determine your premiums. When consumers understand what determines premiums, this enables you to make decisions that could result in lower insurance prices.

What if I want to buy from local Modesto car insurance agents?

Some people just want to sit down with an agent and doing that can be a smart decision The best thing about comparing rate quotes online is the fact that you can find cheap auto insurance quotes but also keep your business local.

Insurance agents in ModestoTo find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to companies in Modesto that can provide free Modesto car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to contact any insurance agencies because prices are sent to the email address you provide. You can most likely find cheaper rates without a big time investment. In the event you want to compare prices from a specific insurance company, you can always visit that company's website and fill out the quote form the provide.

Choosing the best company should include more criteria than just the price. You should also get answers to these questions.

If you want to use a local agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Modesto agents are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents that elect to be exclusive can only write with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to compare other company's rates so they really need to provide good service. Exclusive agencies are very knowledgeable in insurance sales and that allows them to sell at a higher price point.

Independent Agents (or Brokers)

Independent agents are not locked into one company so they can insure your vehicles through many companies and get the cheapest rates. If you want to switch companies, the agent simply finds a different carrier and you stay with the same agent.

If you are trying to find cheaper rates, you definitely need to include price quotes from several independent insurance agents to maximize your price options.

How do I know if I need professional advice?

Always remember that when buying coverage online or from an agent, there really is no "best" method to buy coverage. Your situation is unique.Drive safe and save

For example, these questions can help discover if your situation might need professional guidance.

If you can't answer these questions then you might want to talk to an insurance agent. If you don't have a local agent, take a second and complete this form.

Persistence will pay off

When shopping online for auto insurance, it's a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed full coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price.

Insureds switch companies for any number of reasons including questionable increases in premium, policy cancellation, policy non-renewal and even unfair underwriting practices. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

In this article, we presented some good ideas how to find cheaper coverage online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with some of the lesser-known companies.

More information can be read on the following sites: