Comparison shopping for more affordable auto insurance can be frustrating for people who are beginners to buying insurance online. With so many agents and online companies available, it can turn into a big hassle to find the perfect company for you.

Surprisingly, a recent survey revealed that nearly 70% of customers have bought auto insurance from the same company for four years or more, and practically 40% of auto insurance customers have never even compared quotes to find cheap rates. The average driver in Lathrop could save 35% every year just by comparing rates, but they just assume it takes a lot of time to compare rates online.

Consumers need to do rate comparisons once or twice a year because prices are usually higher with each renewal. If you had the lowest rates on auto insurance a few years ago there is a good chance you can find better rate quotes now. Don't believe everything you read about auto insurance on the internet, but I'm going to show you a lot of great tips on how to find cheap auto insurance in Lathrop.

Get discounts to get affordable Lathrop auto insurance rates

Car insurance can cost a lot, but you may find discounts that many people don't even know exist. Some discounts will apply when you complete an application, but occasionally some discounts must be manually applied before being credited.Auto insurance discounts

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Companies that have these money-saving discounts possibly include:

If you are trying to find low cost Lathrop auto insurance quotes, ask each company or agent how many discounts you can get. Savings may not be offered in Lathrop. To see auto insurance companies who offer free auto insurance quotes in California, follow this link.

When quoting car insurance, remember that comparing a wide range of rates helps you find a lower rate.

The providers in the list below provide quotes in California. To buy the cheapest car insurance in California, we recommend you visit several of them to get the most competitive price.

Insurance Rate Estimates for Popular Vehicles in Lathrop
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,538 $769 $128
Chevrolet Silverado LT Crew Cab 4WD $1,660 $830 $138
Dodge Ram Crew Cab ST 2WD $1,490 $745 $124
Ford Escape XLS 4WD $1,328 $664 $111
Ford F-150 Lariat Crew Cab Platinum 2WD $1,690 $845 $141
Ford Focus SES 4-Dr Sedan $1,204 $602 $100
GMC Sierra SLE Crew Cab 4WD $1,690 $845 $141
Honda Accord EX-L 2-Dr Coupe $2,006 $1,003 $167
Honda CR-V LX 2WD $1,160 $580 $97
Honda Civic EX 2-Dr Coupe $1,846 $923 $154
Jeep Grand Cherokee SRT-8 4WD $1,460 $730 $122
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,198 $599 $100
Nissan Altima 2.5 4-Dr Sedan $1,172 $586 $98
Toyota Camry XLE $1,606 $803 $134
Toyota Corolla XRS $1,258 $629 $105
Toyota Prius $1,326 $663 $111
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can decrease or increase insurance rates greatly.

Irresponsible driving raises your rates

The example below illustrates how traffic citations and fender-benders can drive up GMC Acadia annual premium costs for different age groups of insureds. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Higher deductibles lower rates

One common question asked by Lathrop drivers is the level to set your comp and collision deductibles. The data tables below can help you understand the difference in cost of buying low and high policy deductibles. The first table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $380 $810 $442 $26 $132 $1,815 $151
Corolla S $380 $810 $442 $26 $132 $1,815 $151
Corolla XLE $380 $810 $442 $26 $132 $1,815 $151
Corolla XRS $430 $810 $442 $26 $132 $1,865 $155
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Toyota Corolla insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $278 $546 $442 $26 $132 $1,424 $119
Corolla S $278 $546 $442 $26 $132 $1,424 $119
Corolla XLE $278 $546 $442 $26 $132 $1,424 $119
Corolla XRS $314 $546 $442 $26 $132 $1,460 $122
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can increase or decrease premiums noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $32 more each month or $384 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would more than likely save some money by going with a higher deductible.

Premium influencing factors

Many factors are considered when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are not quite as obvious such as your credit history and annual miles driven. Part of the insurance buying process is learning a few of the rating criteria that are used to determine insurance rates. When you understand what determines premiums, this allows you to make good choices that could result in better insurance rates.

Vocation reflects on rates - Occupations like doctors, executives and miners are shown to have the highest rates attributed to intense work-related stress and long work days. On the other hand, careers such as actors, students and performers get better rates.

Insurance premiums and driver gender - Over time, data shows women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. They both have accidents at about the same rate, but men cause more damage. They also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive insurance rates.

Save money by having responsible credit - Having a bad credit rating is a big factor in determining what you pay. Consumers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings. So if your credit history can use some improvement, you could potentially save money when insuring your vehicle by repairing your credit.

Safer cars mean better insurance rates - Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less claims paid and cheaper rates on your policy. If your car, truck, or SUV scored better than four stars on or an "acceptable" rating on it may cost less to insure.

No insurance policy gaps is important - Allowing your coverage to lapse will be a fast way to bump up your insurance costs. Not only will rates go up, being ticketed for driving with no insurance could result in a steep fine or even jail time.

Raising deductibles saves money - Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, damage from fire, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the bigger discount you will receive.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there really isn't a best way to insure your cars. Everyone's situation is a little different.Higher deductibles save money

These are some specific questions could help you determine if you would benefit from an agent's advice.

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Exclusive versus independent insurance agencies

Some people still like to get advice from a local agent and there is nothing wrong with that. One of the benefits of comparing auto insurance online is that you can find cheaper premium rates but also keep your business local.

Lathrop insurance agentsAfter filling out this form (opens in new window), your insurance data is sent to insurance agents in Lathrop who want to provide quotes for your business. You never need to do any legwork since rate quotes are delivered immediately to you. You can most likely find cheaper rates without a big time investment. If you wish to compare prices from a specific insurance company, you can always find their quoting web page and complete a quote there.

Finding the right insurer requires you to look at more than just a cheap quote. You should also get answers to these questions.

If you need to find a reliable agent, it can be helpful to understand the different types of agents and how they work. Agents in Lathrop can either be independent agents or exclusive agents.

Exclusive Agents

Exclusive insurance agents have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. These agents are well trained in insurance sales which can be an advantage. Many people use the same agent primarily because of the prominent brand name instead of buying on price only.

Independent Insurance Agents

Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest auto insurance rates. If your premiums go up, an independent agent can move your coverage which makes it simple for you.

When comparing auto insurance rates, we recommend you get quotes from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with companies that do not advertise much which could offer lower prices.

Auto insurance just makes sense

Despite the fact that auto insurance is not cheap in Lathrop, maintaining insurance is not optional due to several reasons.

The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. An average driver in America is overpaying over $869 every year so it's important to compare rates every year to make sure the price is not too high.

Car insurance claim information

Which vehicle models have severe claims? The following statistics list the highest and lowest vehicle models for the probability of having large claims.

Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Kia Forte
Ford F-250 SuperCrew Chrysler 200
Chevrolet Corvette Hyundai Accent
Land Rover Range Rover Sport Chevrolet Spark
Audi A4 Allroad Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Lancer

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

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Mercedes-Benz S Class
Chevy Spark BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Ford F-350 Bentley Continental GT
Infiniti QX50 BMW M6
GMC Sierra 2500 Audi S7

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

Manufacturer Models with the Lowest and Highest Liability Insurance Claims
Lowest Claim Amount Highest Claim Amount
Audi A6 Dodge Charger
Subaru Outback Chevrolet Sonic
Chevrolet Corvette Kia Rio
Mercedes-Benz SL Class Kia Optima
Fiat 500 Hyndai Accent
Acura MDX Chevrolet Cruze

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

Car Insurance Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Audi RS7
Mini Cooper BMW 6 Series
Ford F-250 SuperCab Ferrari 458
Jeep Wrangler Maserati Ghibli
Nissan Xterra Bentley Continental Flying Spur
GMC Canyon Nissan GT-R

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

Lower rates by being persistent

In this article, we presented many ideas to find cheaper coverage online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There are too many instances where drivers have reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Some companies do not offer online price quotes and many times these smaller providers prefer to sell through independent agents. Lower-priced auto insurance in Lathrop can be bought on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.

Additional auto insurance information is located on the following sites: