Finding low-cost insurance for a car in California could be a lot of work, but you can use these tips to make it easier. There is a better way to find car insurance online and we'll show you the absolute fastest way to compare rates for a and get the lowest price from Palm Desert insurance agents and online providers.
It's hard to fathom, but almost 70% of insureds have remained with the same car insurance company for a minimum of four years, and 38% of drivers have never even compared quotes to find cheaper rates. Many drivers in California can save hundreds of dollars each year, but they underestimate the rate savings if they changed companies.
Locating the most cost-effective auto insurance policy in Palm Desert is much easier if you know where to start. If you are insured now or are shopping for new coverage, you can learn to shop for the lowest rates without sacrificing coverage. Smart shoppers just have to understand the quickest way to compare insurance rates over the internet.
Companies offering low-cost rates in Palm Desert, CA
The companies shown below are ready to provide price quotes in Palm Desert, CA. To locate cheap car insurance in California, we recommend you visit several of them to find the most affordable car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$1,648||$824||$137|
|Chevrolet Impala LS||$1,158||$579||$97|
|Chevrolet Malibu Hybrid||$1,142||$571||$95|
|Chevrolet Silverado LS Regular Cab 2WD||$1,366||$683||$114|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,660||$830||$138|
|Ford Escape XLT 4WD||$1,494||$747||$125|
|Ford F-150 Lariat Crew Cab 4WD||$1,070||$535||$89|
|Ford Focus S 4-Dr Sedan||$1,322||$661||$110|
|Honda Accord EX-L 4-Dr Sedan||$1,132||$566||$94|
|Honda CR-V EX 2WD||$1,178||$589||$98|
|Honda Civic LX 2-Dr Coupe||$1,572||$786||$131|
|Honda Odyssey EX-L W/Rear Entertainment||$1,482||$741||$124|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,082||$541||$90|
|Mazda 3 I SV 4-Dr Sedan||$1,142||$571||$95|
|Nissan Altima Hybrid 4-Dr Sedan||$1,324||$662||$110|
|Toyota Camry SE||$1,424||$712||$119|
|Toyota Corolla S||$1,102||$551||$92|
|Toyota RAV4 Limited 4WD||$1,332||$666||$111|
|Toyota Tacoma X-Runner 2WD||$1,568||$784||$131|
|Get Your Own Custom Quote Go|
Prices above based on single 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, safe-driver, homeowner, and claim-free. Table data does not factor in zip code location which can revise price quotes substantially.
An analysis of deductible level
The information below highlights how deductible selection and can impact Hyundai Elantra insurance prices for each different age group. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Difference between full coverage and liability only rates
The diagram below illustrates the comparison of Nissan Sentra yearly insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no claims or violations, $250 deductibles, single male driver, and no discounts are factored in.
Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you be buying full coverage?
There is no clear-cut formula of when to phase out physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let's pretend your Nissan Sentra claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If premium cost is more than $500 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Verify you're applying every discount
Buying car insurance is not cheap, but there may be some discounts that may help make it more affordable. Most are applied when you quote, but some need to be asked about prior to receiving the credit.
- Drive Safe and Save - Drivers who avoid accidents can save as much as half off their rates than less cautious drivers.
- Defensive Driver Discount - Taking part in a course in defensive driver could earn you a small percentage discount if your company offers it.
- Clubs and Organizations - Being a member of a civic or occupational organization in Palm Desert can get you a small discount on your next car insurance statement.
- ABS Braking Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Passive Restraint Discount - Factory air bags or motorized seat belts can get savings up to 30%.
It's important to understand that some credits don't apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn't be very happy.
Some of the insurance companies that may include these benefits may include but are not limited to:
If you want cheap Palm Desert car insurance quotes, ask every prospective company how many discounts you can get. Discounts may not apply to policies in Palm Desert. To choose providers that offer many of these discounts in California, click here.
Don't give up on cheaper rates
In this article, we covered a lot of information how to get a better price on insurance in Palm Desert. The key thing to remember is the more companies you get rates for, the higher your chance of finding the cheapest Palm Desert car insurance quotes. You may even find the lowest prices are with a small local company.
Consumers switch companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, high prices or high rates after DUI convictions. No matter why you want to switch, finding the right insurance provider can be easy and end up saving you some money.
Cheaper insurance in Palm Desert can be bought from both online companies and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not offer rates over the internet and many times these small, regional companies sell through local independent agents.
To learn more, take a look at the articles below:
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- How Much is Car Insurance for Drivers Over Age 70 in California? (FAQ)
- Who Has Affordable California Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Nissan Rogue in California? (FAQ)
- Who Has the Cheapest California Car Insurance for Real Estate Agents? (FAQ)
- What is the Best Auto Insurance in Santa Clarita, California? (FAQ)
- What Auto Insurance is Cheapest for Welfare Recipients in California? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)