No normal person likes paying for car insurance, especially when they know they could get a better deal.
Shocking but true, a large majority of drivers have remained with the same car insurance company for more than four years, and virtually 40% of consumers have never compared quotes from other companies. The average driver in Laguna Hills can save hundreds of dollars each year, but they don't want to spend time to find cheaper insurance by shopping around.
Companies like Allstate and Progressive continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
It is always a good idea to check car insurance prices yearly since insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rate on car insurance a couple years back there is a good chance you can find better premium rates now. There are lots of tips to save on car insurance on the web, but I'm going to show you some of the best techniques to save money.
If you are already insured, you will most likely be able to find better prices using the ideas presented in this article. Locating the most cost-effective car insurance policy in Laguna Hills is quite easy. Although California consumers must understand the way insurance companies sell insurance online because rates fluctuate considerably.
To find the best insurance rates, there are several ways of comparing rate quotes from lots of California insurance companies. One of the best ways to do a complete rate comparison is simply to get online rate quotes.
Doing price comparisons online is so simple that it makes it a waste of time to waste gas driving to all the different Laguna Hills insurance agencies. The ability to quote insurance online can eliminate the need for a local agent unless you're the type of person who wants the professional advice of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but purchase the actual policy in an agency. When price shopping your coverage, getting more free quotes increases your odds of finding better pricing. Some smaller insurers do not give rate quotes online, so you should also compare price quotes from them as well.
The providers in the list below offer quotes in Laguna Hills, CA. To find the cheapest car insurance in California, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,390||$695||$116|
|Dodge Ram Crew Cab ST 4WD||$1,514||$757||$126|
|Ford Edge Limited AWD||$1,672||$836||$139|
|Ford Escape Limited 2WD||$1,316||$658||$110|
|Ford F-150 XL Super Cab 4WD||$1,438||$719||$120|
|Ford Focus SES 4-Dr Sedan||$1,082||$541||$90|
|Honda Accord EX 2-Dr Coupe||$2,128||$1,064||$177|
|Honda CR-V LX 4WD||$1,042||$521||$87|
|Honda Civic LX 2-Dr Coupe||$1,888||$944||$157|
|Honda Odyssey EX-L W/Rear Entertainment||$1,302||$651||$109|
|Jeep Grand Cherokee SRT-8 4WD||$1,460||$730||$122|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,408||$704||$117|
|Nissan Rogue S 2WD||$1,672||$836||$139|
|Toyota Camry LE||$1,304||$652||$109|
|Toyota Corolla XLE||$1,280||$640||$107|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can raise or lower rates considerably.
Physical damage deductible comparison
The diagram below shows how choosing a deductible and can affect Hyundai Sonata insurance costs for different ages of insureds. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Discounts can help lower premiums on car insurance
Some providers don't always publicize every available discount in a way that's easy to find, so below is a list a few of the more common as well as the least known car insurance savings. If you don't get every credit you qualify for, it's possible you qualify for a lower rate.
- Cautious Driver Discounts - Insureds without accidents may receive a discount up to 45% as compared to drivers with claims.
- Bundle and Save - If you can combine your home and auto policy and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
- E-sign Discounts - A few car insurance companies may give you up to $50 for signing up on your computer.
- Laguna Hills Homeowners Discount - Owning your own home or condo can earn you a little savings because owning a home means you have a higher level of financial diligence.
- Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates on car insurance.
- Good Student - A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
As a sidenote, some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, that's just not realistic. But all discounts will definitely reduce the amount you have to pay.
A list of car insurance companies and some of the discounts are:
- GEICO includes discounts for driver training, daytime running lights, emergency military deployment, military active duty, anti-theft, and federal employee.
- Auto-Owners Insurance offers premium reductions for group or association, multiple vehicles, air bags, company car, and good student.
- American Family has discounts for TimeAway discount, mySafetyValet, good student, good driver, and Steer into Savings.
- Esurance offers discounts including online shopper, emergency road assistance, renters, Switch & Save, claim free, safety device, and good student.
- Progressive may include discounts for multi-policy, online quote discount, continuous coverage, good student, online signing, homeowner, and multi-vehicle.
- State Farm offers discounts for good student, passive restraint, student away at school, accident-free, multiple policy, and good driver.
- AAA policyholders can earn discounts including multi-car, AAA membership discount, good student, multi-policy, and anti-theft.
When getting a coverage quote, ask every company which discounts they offer. Some discounts may not be available everywhere. To see a list of insurers offering car insurance discounts in California, click this link.
Will just any policy work for me?
Keep in mind that when it comes to choosing the best insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.
- Should I file a claim if it's only slightly more than my deductible?
- If I use my vehicle for business use is it covered?
- How can I get the company to pay a claim?
- How do I buy GAP insurance?
- How much will a speeding ticket raise my rates?
- Is my vehicle covered for flood damage?
- Should I drop comprehensive coverage on older vehicles?
- What if I total my vehicle and owe more than it's worth?
- Should I rate my vehicle as business use?
- How high should deductibles be on a vehicle?
If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.
Protect more than your vehicle
Despite the fact that auto insurance is not cheap in Laguna Hills, maintaining insurance may be required for several reasons.
First, the majority of states have minimum liability requirements which means you are required to carry specific limits of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, most lenders will require you to have insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your vehicle at a more expensive rate and force you to reimburse them for the much more expensive policy.
Third, insurance protects both your vehicle and your personal assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If your vehicle gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. On average, a vehicle owner in Laguna Hills is overpaying more than $855 a year so compare rates at least once a year to ensure rates are competitive.
Car insurance coverages
Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.
Collision coverage protection
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as backing into a parked car, rolling your car, hitting a parking meter, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like dental work, chiropractic care and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.
Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things such as emergency aid, repair bills for other people's vehicles, pain and suffering and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy more coverage.
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from flooding, a tree branch falling on your vehicle, vandalism, hitting a bird and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Be persistent and save
Affordable auto insurance in Laguna Hills can be found on the web as well as from independent agents in Laguna Hills, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don't offer the ability to get quotes online and most of the time these regional insurance providers prefer to sell through independent agents.
When buying insurance coverage, it's a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
More learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has the Cheapest California Auto Insurance for Drivers with Good Credit? (FAQ)
- Who Has Cheap California Auto Insurance Quotes for State Employees? (FAQ)
- Which Company has the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
- Who Has the Cheapest Auto Insurance for Immigrants in California? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 18 Year Olds in California? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Safety Belts FAQ (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)