Paying for overpriced car insurance in Goleta can overdraw your funds and make it impossible to make ends meet. Comparing rate quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Unbelievable but true according to a study almost 70% of drivers have bought car insurance from the same company for well over three years, and 38% of drivers have never compared rate quotes at all. California drivers could save themselves nearly $500 a year just by comparing rates, but they don't want to take the time to find cheap rates by getting comparison quotes. Many auto insurance companies vie to insure your vehicles, so it's not easy to compare every insurance company to find the absolute best rate on car insurance.

It's a good habit to compare premium rates before your policy renews because prices trend upward over time. Just because you found the lowest rate on car insurance at your last renewal a different company probably has better premium rates today. Ignore everything you know about car insurance because you're about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have coverage now or just want to reduce your rates, you can use these techniques to reduce premiums while maximizing coverage. Locating the most cost-effective auto insurance policy in Goleta is actually very simple if you learn how to start. Consumers only need an understanding of the quickest way to shop for auto insurance using one simple form.

Affordable companies for Goleta auto insurance

The providers in the list below are our best choices to provide price comparisons in Goleta, CA. In order to find cheap auto insurance in California, we suggest you visit two to three different companies in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Goleta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,528 $764 $127
Dodge Grand Caravan SXT $1,420 $710 $118
Dodge Ram Quad Cab ST 4WD $1,660 $830 $138
Ford Edge SE AWD $1,474 $737 $123
Ford Escape Limited 2WD $990 $495 $83
Ford F-150 STX Super Cab 4WD $1,698 $849 $142
Ford Focus SEL 4-Dr Sedan $1,590 $795 $133
Ford Fusion Sport 4-Dr Sedan $2,072 $1,036 $173
GMC Sierra SLT Extended Cab 2WD $1,226 $613 $102
Honda Accord LX-S 2-Dr Coupe $1,750 $875 $146
Honda CR-V EX 4WD $1,324 $662 $110
Honda Civic SI 2-Dr Coupe $2,342 $1,171 $195
Hyundai Elantra GLS 4-Dr Sedan $1,404 $702 $117
Kia Optima LX $1,422 $711 $119
Nissan Altima 3.5 SR 4-Dr Sedan $1,676 $838 $140
Nissan Rogue SL 2WD $1,302 $651 $109
Toyota Camry XLE $1,416 $708 $118
Toyota Corolla XLE $1,664 $832 $139
Toyota Tacoma 4WD $1,324 $662 $110
Volkswagen Jetta S 4-Dr Sedan $1,166 $583 $97
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can decrease or increase rates noticeably.

Auto insurance rates by gender and age in Goleta

The chart below illustrates the comparison of insurance rates for male and female drivers in Goleta. Data assumes a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied on a Ford Fusion S.

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

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The premium rates below can help you visualize the premium difference when you buy lower versus higher physical damage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

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

Honda Accord insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord LX-P 4-Dr Sedan $332 $564 $376 $22 $112 $1,431 $119
Accord EX-L 4-Dr Sedan $380 $686 $376 $22 $112 $1,601 $133
Accord EX 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord LX-S 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Accord EX-L 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
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Honda Accord insurance 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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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in zip code location which can raise or lower coverage prices greatly.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $28 more each month or $336 every year than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 14 months between claims, you would save money if you elect the higher deductible.

Eight discounts to earn lower Goleta auto insurance rates

Not too many consumers would say auto insurance is affordable, but there could be available discounts that may help make it more affordable. Some discounts will apply when you quote, but some must be requested specifically in order for you to get them.Discount auto insurance

While discounts sound great, it's important to understand that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will cut the amount you pay for coverage.

Large auto insurance companies and their offered discounts can be read below.

When getting free Goleta auto insurance quotes, it's a good idea to each insurance company to apply every possible discount. All car insurance discounts may not be available in your state.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. You are unique and your insurance should be unique as well.Safe vehicles cost less to insure These are some specific questions can help discover whether or not you might need professional guidance.

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Comparing prices from local Goleta car insurance agents

Many drivers still like to visit with an insurance agent and that is a smart decision Good insurance agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing rates online is you can get lower rates but also keep your business local. And providing support for neighborhood agents is especially important in Goleta.

Find insurance agent in GoletaFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to companies in Goleta who will return price quotes for your business. You won't even need to find an agent since price quotes are sent immediately to your email address. If you wish to get a price quote for a specific company, you would need to navigate to their website and submit a quote form there.

If you prefer to buy car insurance from a local Goleta insurance agency, there are a couple of different types of agencies to choose from. Insurance agencies in Goleta can be categorized as either independent agents or exclusive agents depending on their employer. Either one can provide car insurance policies, but it is important to understand why they differ since it can impact the kind of agent you use.

Independent Car Insurance Agents

Independent insurance agents often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies and find the cheapest car insurance rates. If they find a lower price, they simply move the coverage in-house which is easy for the insured. If you are trying to find cheaper rates, it's a good idea to contact several independent insurance agents so that you can do a thorough price comparison.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on their company's products which aids in selling service over price.

Finding the right car insurance agent should include more criteria than just a cheap price quote. Get answers to these questions too.

If you receive good answers to any questions you have as well as low cost Goleta auto insurance quotes, you may have found a car insurance agent that can service your policy. Just remember it's your coverage and you can cancel your coverage whenever you want so never assume you're contractually obligated to any specific company indefinitely.

Can you really save $466 a year?

California drivers can't get away from ads that claim the best rates by Allstate, GEICO and Progressive. All the ads advertise the message that people will save just by moving your policy.

How do they all have lower policy pricing? It's all in the numbers.

Auto insurance companies have strict underwriting profiles for the type of driver that is profitable for them. A good example of this type of risk profile may be married and over the age of 30, has no claims, and drives a car with an anti-theft system. Any customer who matches those parameters will get very good Goleta rates and have a good chance to cut their rates substantially.

Drivers who do not match this stringent profile will probably have to pay more expensive rates and the customer buying from someone else. If you pay attention, the ads say "drivers that switch" not "everybody who quotes" save that much when switching. That's the way companies can claim big savings.

Because each company has a different risk profile, you need to get Goleta auto insurance quotes from several different companies. Because you never know which insurance companies will provide the lowest auto insurance in Goleta.

Specific coverages

Having a good grasp of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, a broken windshield and damage from getting keyed. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your vehicle.

Since many California drivers have only the minimum liability required by law (which is 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Liability auto insurance

This can cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.

Coverage for collisions

Collision insurance covers damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, dental work, nursing services and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto insurance claim statistics

Which vehicles statistically have the fewest claims? The data below show the best and worst vehicles for the probability of having claims for each type of coverage listed.

Lowest and Highest Auto Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
Nissan Leaf BMW M6
Smart ForTwo Bentley Continental GT
Volvo V60 Maserati Quattroporte
Infiniti QX50 Audi S7
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Xterra Maserati Granturismo

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

Lowest and Highest Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Chrysler 200
Subaru Outback Kia Optima
Volvo XC60 Chevrolet Impala
Chevrolet Corvette Kia Rio
Subaru Forester Chevrolet Cruze

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

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Jeep Wrangler Maserati Granturismo
Smart ForTwo BMW M6
Ford F-150 SuperCrew BMW 6 Series
Nissan Xterra Nissan GT-R
Ford Edge Bentley Continental Flying Spur
Chevrolet Colorado Audi RS7

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

Medical Payment Coverage Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Versa
Chevrolet Silverado 2500 Mitsubishi Mirage
Tesla Model S Hyundai Accent
Ford F-250 SuperCrew Dodge Charger
Audi A4 Allroad Chevrolet Sonic

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

Frequent quotes can save

More affordable insurance in Goleta is available both online and with local Goleta insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer internet price quotes and these smaller companies provide coverage only through local independent agencies.

When shopping online for insurance, it's very important that you do not skimp on coverage in order to save money. Too many times, someone dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

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