How long has it been since the last time you looked for the cheapest car insurance rates in Suisun City, CA? There isn't anyone who rejoices having to buy car insurance, particularly when they could find better prices if they shop around.

Sadly, most car insurance policyholders in California have stayed with the same insurance company for at least the last four years, and approximately 40% of consumers have never compared rates from other carriers. With the average premium in the United States being $1,847, drivers could cut their rates by as much as 46.5% a year, but they just don't understand the big savings they would realize if they switched to a cheaper policy.

Due to the increasing number of companies to choose from , it can be diffult for people to find the lowest cost insurer.

Consumers should take time to do price comparisons periodically since prices tend to go up over time. Just because you found the lowest price on car insurance six months ago a different company probably has better rate quotes today. Forget all the misinformation about car insurance because we're going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

Finding quotes for affordable auto insurance in Suisun City is not as hard as you think. Virtually every car owner who is overpaying for auto insurance will probably be able to reduce their rates. Nevertheless, California drivers do need to understand the way insurance companies set your policy premium because rates fluctuate considerably.

Most major insurance companies such as Allstate, GEICO and Progressive allow you to get prices directly from their websites. Getting quotes is very simple as you simply enter the coverages you want into the form. After you submit the form their quoting system collects your credit score and driving record and returns a price based on many factors. Quoting online makes it simple to compare prices and it is imperative to do this if you want to find the lowest payment.

To find out how much you're overpaying now, take a look at the companies shown below. If you currently have coverage, we recommend that you enter your coverages as shown on your current policy. Using the same limits helps guarantee you're receiving rate comparison quotes based on the exact same insurance coverage.

The companies shown below are our best choices to provide quotes in Suisun City, CA. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Suisun City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,172 $586 $98
Chevrolet Silverado LS Regular Cab 2WD $1,394 $697 $116
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,412 $706 $118
Ford Edge Limited 2WD $1,648 $824 $137
Ford Escape XLT 2WD $1,452 $726 $121
Ford F-150 Lariat Crew Cab Platinum 2WD $1,486 $743 $124
Ford Focus SEL 4-Dr Sedan $1,256 $628 $105
Honda Accord EX 2-Dr Coupe $1,504 $752 $125
Honda CR-V LX 4WD $1,002 $501 $84
Honda Civic EX-L 2-Dr Coupe $2,096 $1,048 $175
Jeep Grand Cherokee Laredo 4WD $1,322 $661 $110
Jeep Wrangler Sport Islander Package 4WD 2-Dr $972 $486 $81
Kia Optima LX $1,302 $651 $109
Mazda 3 S Grand Touring 4-Dr Sedan $1,102 $551 $92
Nissan Altima 2.5 S 2-Dr Coupe $1,410 $705 $118
Toyota Camry LE $1,168 $584 $97
Toyota Corolla XRS $1,884 $942 $157
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can revise prices substantially.

Car insurance rates based on gender

The diagram below illustrates the comparison of car insurance costs for male and female drivers in Suisun City. The prices are based on no claims or violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied on a Chevrolet Tahoe LTZ.

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

Insurance is an important decision

Even though rates can get expensive, insuring your vehicle is required in California but it also protects you in many ways.

The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so it's very important to do a rate comparison every year to ensure rates are inline.

Why you might pay higher rates in Suisun City

Lots of things are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, but others are not as apparent such as your credit history and annual miles driven. It's important that you understand the factors that aid in calculating your policy premiums. When you understand what impacts premium levels, this enables informed choices that could result in big savings.

Higher deductibles lower rates - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. A few examples of covered claims could be running into the backend of another car, damage from fire, and damage caused by flying debris. Comp and collision deductibles represent how much money you are willing to pay in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.

Rates are affected by your address - Residing in less populated areas of the country can be a good thing when it comes to auto insurance. Less people living in that area translates into fewer accidents. Residents of big cities regularly have more auto accidents and more severe claims. More time commuting can result in more accidents.

Influences performance influences premiums - The performance level of the vehicle you are buying insurance for makes a significant difference in your premium level. The lowest base rates will generally be found on smaller low performance passenger vehicles, but your final cost has many other factors.

Prices impacted by vehicle usage - The more miles you rack up on your car annually the more you'll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based upon how you use the vehicle. Cars that do not get driven very much qualify for better rates than vehicles that have high annual mileage. It's a good idea to make sure your policy is rated on the correct usage for each vehicle, because it can save money.

Gender impacts rates - The statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Men and women have accidents in similar percentages, but men have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI.

Bad driving means higher costs - Attentive drivers pay less for auto insurance compared to drivers with tickets. Even a single ticket may increase your cost by twenty percent. Drivers unfortunate enough to have serious violations such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 to the state department of motor vehicles in order to keep their license.

Insurance policy discounts you can't miss

Insurance is not an enjoyable expense, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically in order for you to get them.Insurance discounts

You should keep in mind that some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you could get a free insurance policy, insurance companies wouldn't stay in business.

A few of the larger companies and a partial list of their discounts are:

Before buying, ask every prospective company what discounts are available to you. Discounts might not be available to policyholders in your area. If you would like to see a list of companies that offer discounts in California, follow this link.

Neighborhood insurance agents

Many people still prefer to sit down with an agent and doing so can bring peace of mind One of the benefits of price shopping on the web is that drivers can save money and get cheaper premium rates and still buy from a local agent. Buying insurance from local insurance agents is still important in Suisun City.

Suisun City insurance agentsTo help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your auto insurance coverage. You won't need to contact an agency because prices are sent immediately to your email address. You can find lower rates AND an agent nearby. If for some reason you want to quote rates from a particular provider, you would need to find their quoting web page to submit a rate quote request.

When researching a local insurance agency, it can be helpful to understand the types of agencies to choose from. Agents are either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies

Independent agencies are not limited to a single company and that is an advantage because they can write policies amongst many companies and get you the best rates possible. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.

When comparison shopping, you need to get insurance quotes from multiple independent agents so that you have a good selection of quotes to compare.

Exclusive Auto Insurance Agencies

Exclusive agencies are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are well trained on their products and sales techniques which can be an advantage.

Deciding on an auto insurance agent needs to be determined by more than just a low price. Here are some questions to ask:

Claim statistics by make and model

Which vehicle models have a high chance of claims? The statistics below list the highest and lowest vehicle makes and models for likelihood of having claims orgainized by coverage.

Medical Payment Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Lancer
Land Rover Range Rover Sport Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Mirage
Audi A4 Allroad Hyundai Accent
Ford F-250 SuperCrew Chrysler 200
Ford Expedition Nissan Versa

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Audi S7
Ford F-350 Maserati Granturismo
Nissan Xterra Porsche Panamera GTS
Smart ForTwo BMW M6
Chevy Spark Bentley Continental GTC
Infiniti QX50 Maserati Quattroporte

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

Lowest and Highest Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Ferrari 458
GMC Canyon Maserati Granturismo
Jeep Wrangler BMW 6 Series
Smart ForTwo Bently Continental GTC
Ford F-250 SuperCab Maserati Ghibli
Nissan Xterra Bently Continental GT

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

Liability Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Hyndai Accent
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Chrysler 200
Fiat 500 Kia Optima
Volvo XC60 Dodge Charger

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

Keep this in mind when shopping around

We just presented a lot of tips how to find cheaper coverage online. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a smaller regional carrier. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Additional information can be read on the following sites: