Scraping up a payment for overpriced insurance in Buena Park can bottom out your savings and force you to prioritize other expenses.

It's astonishing, but a large majority of insurance policyholders kept buying from the same company for at least four years, and approximately 38% of consumers have never shopped around. Buena Park consumers could cut their rates by almost $469 a year just by getting comparison quotes, but they feel it's too difficult to compare rate quotes online.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive best price available on insurance.

It's a good habit to compare rates at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the best price on insurance a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because we're going to show you how to quote online to remove unneeded coverages and save money.

If you already have coverage, you will definitely be able to find better prices using this strategy. Buying the cheapest auto insurance in Buena Park is really quite simple as long as you have a good starting point. Although California drivers must know how the larger insurance companies sell online and take advantage of how the system works.

How to compare insurance quotes in Buena Park

When price shopping your coverage, more quotes helps increase your odds of locating better pricing.

The auto insurance companies shown below offer free rate quotes in California. To locate cheap car insurance in California, we recommend you compare several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Buena Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,160 $580 $97
Chevrolet Silverado LS Crew Cab 2WD $1,176 $588 $98
Dodge Ram Crew Cab ST 2WD $2,052 $1,026 $171
Ford Escape Limited 4WD $962 $481 $80
Ford F-150 STX Super Cab 4WD $1,500 $750 $125
Ford Focus S 4-Dr Sedan $1,322 $661 $110
Honda Accord LX-P 4-Dr Sedan $1,272 $636 $106
Honda CR-V LX 4WD $1,174 $587 $98
Honda Civic EX 2-Dr Coupe $1,730 $865 $144
Honda Odyssey EX $1,146 $573 $96
Hyundai Elantra Blue 4-Dr Sedan $1,600 $800 $133
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,584 $792 $132
Kia Optima LX $1,376 $688 $115
Nissan Altima 3.5 SR 4-Dr Sedan $1,460 $730 $122
Toyota Camry SE $1,280 $640 $107
Toyota Corolla S $1,482 $741 $124
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price information does not factor in garaging location in Buena Park which can alter premiums significantly.

Full coverage versus liability only rates

The information below shows the comparison of Chevrolet Tahoe insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents, no driving violations, $250 deductibles, married female driver, and no policy discounts are applied.

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

When to drop comp and collision

There is no written rule for eliminating physical damage coverage, but there is a guideline you can consider. If the yearly cost of full 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 say your Chevrolet Tahoe replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying your deductible. If it's costing in excess of $600 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where eliminating full coverage is not a good plan. If you haven't paid off your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

How high should deductibles be?

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The following insurance rates sum up the premium difference when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

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

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord LX-P 4-Dr Sedan $298 $472 $376 $22 $112 $1,305 $109
Accord EX-L 4-Dr Sedan $342 $576 $376 $22 $112 $1,453 $121
Accord EX 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord LX-S 2-Dr Coupe $342 $678 $500 $30 $150 $1,725 $144
Accord EX-L 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Honda Accord insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord LX-P 4-Dr Sedan $242 $382 $376 $22 $112 $1,134 $95
Accord EX-L 4-Dr Sedan $278 $464 $376 $22 $112 $1,252 $104
Accord EX 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord LX-S 2-Dr Coupe $278 $546 $500 $30 $150 $1,504 $125
Accord EX-L 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in zip code location which can influence coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $16 more each month or $192 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claim filings, you would most likely save money if you choose the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $106
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Determine discounts to get cheap Buena Park auto insurance quotes

Some insurers don't always advertise every discount they offer very clearly, so below is a list both the well known and also the more inconspicuous savings tricks you should be using when you buy Buena Park auto insurance online. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.Auto insurance discounts

Discounts save money, but please remember that some credits don't apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, nobody gets a free ride.

To locate auto insurance companies that provide some of the discounts listed above in California, click here to view.

Tailor your auto insurance coverage to you

When it comes to insurance from an agent or online, there really isn't a one size fits all plan. Every situation is different.Drive safe and save

For instance, these questions can help discover whether or not you will benefit from professional help.

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 insurance agent. If you want to speak to an agent in your area, fill out this quick form.

What determines auto insurance prices?

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that go into determining the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in much lower annual insurance costs.

The factors shown below are a few of the "ingredients" that factor into rates.

Auto insurance does more than just protect your car

Despite the fact that auto insurance is not cheap in Buena Park, maintaining insurance is required in California but also provides important benefits.

The benefits of insuring your vehicle more than offset the price you pay, especially when you need to use it. The average driver in America overpays as much as $865 each year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.

Keep this in mind when shopping around

People change insurance companies for a variety of reasons including an unsatisfactory settlement offer, poor customer service, policy cancellation or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new auto insurance company can be easier than you think.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

There are still a few companies who do not provide price quotes online and many times these smaller providers prefer to sell through independent agents. Budget-friendly auto insurance in Buena Park can be purchased from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection.

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