Paying for expensive car insurance in Rialto can dwindle your budget and force you to tighten up your finances. Comparing rate quotes is free and is an excellent way to make sure you're not throwing money away.

A recent car insurance study discovered that about 70% of customers have stayed with the same insurance company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in Rialto could cut their rates by 35% a year, but they just assume it's a time-consuming process to compare rates online. Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest rate on car insurance.

Car insurance companies in Rialto

The companies shown below can provide comparison quotes in Rialto, CA. If multiple companies are listed, it's highly recommended you visit two to three different companies to find the most competitive car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Rialto
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,298 $649 $108
Chevrolet Impala LTZ $1,568 $784 $131
Chevrolet Malibu LTZ $2,072 $1,036 $173
Chevrolet Silverado Crew Cab Hybrid 4WD $1,578 $789 $132
Dodge Grand Caravan SE $1,260 $630 $105
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,712 $856 $143
Ford Escape XLS 2WD $1,094 $547 $91
Ford F-150 Lariat Crew Cab Platinum 2WD $1,598 $799 $133
Ford Focus SE 2-Dr Coupe $1,934 $967 $161
Ford Fusion Hybrid 4-Dr Sedan $1,916 $958 $160
Honda Accord EX 4-Dr Sedan $1,102 $551 $92
Honda CR-V EX 4WD $1,030 $515 $86
Honda Civic GX 4-Dr Sedan $1,450 $725 $121
Hyundai Elantra SE Touring Station Wagon $1,428 $714 $119
Nissan Altima 3.5 SR 2-Dr Coupe $1,598 $799 $133
Toyota Camry SE $1,202 $601 $100
Toyota Corolla XRS $1,302 $651 $109
Toyota Prius $1,288 $644 $107
Toyota Tacoma Double Cab 4WD $1,404 $702 $117
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in your specific Rialto location which can change rates noticeably.

Comparison of auto insurance rates by gender and age

The diagram below visualizes the comparison of car insurance rates for male and female drivers in Rialto. The premium estimates are based on no claims or driving citations, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in on a Ford Escape XLS.

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

Comparison of policy deductibles

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The following insurance rates highlight the premium difference when you select higher and lower coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $298 $472 $376 $22 $112 $1,305 $109
Elantra Blue 4-Dr Sedan $298 $678 $442 $26 $132 $1,601 $133
Elantra GLS 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Elantra SE Touring Station Wagon $342 $576 $376 $22 $112 $1,453 $121
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Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $242 $382 $376 $22 $112 $1,134 $95
Elantra Blue 4-Dr Sedan $242 $546 $442 $26 $132 $1,388 $116
Elantra GLS 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Elantra SE Touring Station Wagon $278 $464 $376 $22 $112 $1,252 $104
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific Rialto garaging location which can influence prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 annually than opting for the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 16 months between claims, you would probably come out ahead by going with a higher deductible.

Don't overlook these eight car insurance discounts

The price of auto insurance can be rather high, but you may be missing some discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but some need to be specifically requested before they will apply.Car insurance discounts

Remember that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that it's possible to get free car insurance, you aren't that lucky.

Popular car insurance companies and their offered discounts are outlined below.

When getting free Rialto car insurance quotes, it's a good idea to every insurance company which discounts you qualify for. Some discounts may not apply to policies everywhere. To find providers who offer online car insurance quotes in California, click this link.

When do I need an agent's advice?

Keep in mind that when it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Your financial needs are unique.Higher deductibles save money

For example, these questions might point out if your insurance needs would benefit from professional advice.

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, complete this form. It's fast, free and you can get the answers you need.

Neighborhood insurance agents

Certain consumers prefer to buy from a licensed agent and that is not a bad decision Experienced insurance agents can help you build your policy and help you file claims. An additional benefit of comparing rate quotes online is the fact that drivers can get lower premium rates and still buy from a local agent.

Insurance agency in RialtoAfter filling out this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents that can provide free Rialto car insurance quotes for your insurance coverage. You never need to search for an agent as quotes are delivered directly to you. If you want to get a rate quote from one company in particular, you just need to visit that company's website and give them your coverage information.

Finding the right insurance company requires more thought than just the price. The answers to these questions are important, too.

When looking for a reliable insurance agency, there are two types of insurance agents and how they function. Agents in Rialto can be described as either independent (non-exclusive) or exclusive. Both types of agents can sell and service insurance coverage, but it is important to understand how they are different because it can factor into which agent you choose.

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company's prices and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. They are trained well on the products they sell and that can be a competitive advantage.

Independent Insurance Agencies

Agents that elect to be independent are not limited to a single company and that enables them to quote your coverage through many different insurance companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house and you can keep the same agent. When comparing rates, you will definitely want to compare quotes from at least one independent agent in order to have the best price comparison.

The insurance bait and switch

Consumers in California can't get away from ads that claim the best premium rates by Progressive, GEICO, Allstate and State Farm. All the ads state the claim about how much you will save if you change your insurance coverage to their company.

But how can every company charge less that you're paying now? It's all in the numbers.

Different companies can use profiling for the type of insured they prefer to insure. A good example of a desirable risk could be between the ages of 30 and 50, carries high limits, and has great credit. Someone who meets those qualifications receives the best rates in Rialto and have a good chance to save when they switch companies.

People who don't qualify for this ideal profile may receive a higher rate which leads to the customer buying from someone else. Company advertisements say "drivers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's why insurance companies can advertise the way they do. This really emphasizes why you should get as many free Rialto car insurance quotes as possible. Because you never know the company that will be your best fit.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages - Liability insurance can cover damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 that means you have a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, attorney fees, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

Medical costs insurance - Med pay and PIP coverage reimburse you for immediate expenses like doctor visits, hospital visits, surgery, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage - This coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, rolling your car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage - Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your vehicle.

Because many people only carry the minimum required liability limits (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, fire damage, vandalism and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Best and worst vehicle claim statistics

Are you driving a vehicle that ranks well for claims? The following claim statistics show the highest and lowest vehicles for overall likelihood of having large claims for each type of coverage.

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Mitsubishi Mirage
Fiat 500 Kia Rio
Subaru Outback Chevrolet Sonic
Acura MDX Chevrolet Impala
Subaru Forester Kia Optima
Chevrolet Corvette Hyndai Accent

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

Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Corvette Kia Forte
Ford F-250 SuperCrew Mitsubishi Mirage
Tesla Model S Chevrolet Sonic
Audi A4 Allroad Chevrolet Spark
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 2500 Mitsubishi Lancer

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

Lowest and Highest Auto Insurance Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
Mini Cooper BMW 6 Series
Smart ForTwo Audi RS7
Ford Edge BMW M6
GMC Canyon Bently Continental GTC

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

Vehicle Make and Models with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claims Highest Claims
Ford F-350 BMW M6
Nissan Leaf Bentley Continental GT
Smart ForTwo Audi S7
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Maserati Quattroporte
Chevy Silverado 2500 Mercedes-Benz S Class

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

Don't give up on affordable premiums

Some companies may not have the ability to get a quote online and most of the time these smaller companies work with local independent agents. Lower-priced insurance in Rialto is definitely available both online in addition to many Rialto insurance agents, so you should be comparing quotes from both to have the best rate selection.

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, policy cancellation, questionable increases in premium and even high rates after DUI convictions. Regardless of your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it's a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best possible price, not the least amount of coverage.

More detailed insurance information is located by following these links: