Do you want to save money by finding low-cost auto insurance rates in Dana Point, CA? Have you fallen victim to an overpriced auto insurance policy? Believe me, you're not alone.
Remarkably, a study showed that the vast majority of auto insurance customers kept their policy with the same company for a minimum of four years, and almost half have never even compared rates from other companies. Consumers in California can save hundreds of dollars each year just by getting comparison quotes, but they just don't understand how easy it is to go online and compare rates. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
Finding a better price on insurance is actually quite simple. Drivers just need to spend a little time comparing rate quotes from online providers.
It's so easy to compare rates online that it replaces the need to drive to different agent offices. Quoting insurance online makes this unnecessary unless you have a complicated situation and need the peace of mind that only an agent can give. Although you can comparison shop online but purchase the actual policy in an agency.
The companies shown below can provide free rate quotes in Dana Point, CA. If you want cheap car insurance in California, we recommend you click on several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LT||$1,186||$593||$99|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,382||$691||$115|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$2,020||$1,010||$168|
|Ford Escape Limited 4WD||$1,436||$718||$120|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,576||$788||$131|
|Ford Focus SE 2-Dr Coupe||$1,306||$653||$109|
|GMC Sierra SL Extended Cab 2WD||$1,488||$744||$124|
|Honda Accord LX-P 4-Dr Sedan||$1,118||$559||$93|
|Honda CR-V EX-L 2WD||$1,650||$825||$138|
|Honda Civic VP 4-Dr Sedan||$1,798||$899||$150|
|Hyundai Sonata GLS 4-Dr Sedan||$1,588||$794||$132|
|Mazda 3 I Sport 4-Dr Sedan||$1,396||$698||$116|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,388||$694||$116|
|Toyota Camry XLE||$1,232||$616||$103|
|Toyota Corolla XRS||$1,698||$849||$142|
|Toyota Tacoma X-Runner 2WD||$1,626||$813||$136|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific Dana Point garaging location which can modify premiums considerably.
Auto insurance rates by gender and age in Dana Point
The illustration below shows the comparison of insurance premiums for male and female drivers in Dana Point. The costs are based on no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied on a Nissan Altima 3.5 SR.
Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
The illustration below illustrates how your choice of deductibles and can affect Honda Civic insurance costs for different categories of driver ages. The premium estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
Choosing the best vehicle insurance in California is an important decision
Despite the high cost, insurance may be mandatory for several reasons.
- Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to drive the car legally. 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.
- If you have a lien on your vehicle, almost all lenders will make it mandatory that you have full coverage to protect their interest in the vehicle. If coverage lapses or is cancelled, the lender may have to buy a policy to insure your vehicle at a more expensive rate and force you to reimburse them much more than you were paying before.
- Insurance protects both your vehicle and your personal assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, particularly if you ever have a claim. The average driver in America is overpaying over $865 each year so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.
Slick advertising tricks that work
California consumers constantly see and hear ads that promise big savings for switching from companies such as State Farm and Allstate. All the companies seem to make the promise that people will save after switching your auto insurance policy to them.
How does every auto insurance company have lower policy pricing? It's all in the numbers.
Most companies require specific criteria for the type of driver they prefer to insure. An example of a driver they prefer could be over the age of 50, has never had a claim, and drives a safe vehicle. A customer getting a price quote who meets those qualifications gets the lowest rates and will also save quite a bit of money when switching.
Drivers who don't qualify for the "perfect" profile may receive a more expensive rate which translates to business not being written. If you pay attention, the ads say "drivers that switch" but not "all drivers who get quotes" save that much money. That's why companies can advertise the way they do.
Different companies use different criteria so it's extremely important to quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.
These six discounts can cut insurance rates
Car insurance companies don't always publicize every possible discount in a way that's easy to find, so the list below contains some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Dana Point auto insurance online. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.
- Pay Early and Save - By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
- Lower Rates for Military - Being deployed with a military unit could qualify you for better prices.
- Telematics Data - People who choose to allow driving data submission to spy on vehicle usage remotely such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates if they have good driving habits.
- Discount for Multiple Policies - When you combine your auto and homeowners insurance and insure them with the same company you could get a discount of up to 20% off your total premium.
- Driver's Education for Students - Have your child participate in a local driver's education class in school.
- Fewer Miles Equal More Savings - Maintaining low annual mileage may allow you to get discounted rates on garaged vehicles.
We need to note that most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies don't profit that way.
A partial list of companies that possibly offer most of the discounts above are:
It's a good idea to ask each company or agent to apply every possible discount. Some discounts might not apply in Dana Point. If you would like to choose from a list of providers who offer free insurance quotes in California, click here.
Insurance agents near you
A small number of people prefer to buy from a local agent and that can be a smart move Licensed agents can make sure you are properly covered and help you file claims. One of the great benefits of comparing rates online is you can get cheap rate quotes and also buy local. And supporting neighborhood agents is still important in Dana Point.
To help locate an agent, after submitting this simple form, the coverage information is immediately sent to local insurance agents who will gladly provide quotes for your coverage. There is no need to contact any insurance agencies since price quotes are sent straight to your inbox. If you want to compare prices from a specific company, you just need to visit that company's website and give them your coverage information.
Multiple types of auto insurance agents in Dana Point
If you want to buy auto insurance from a reputable insurance agent or broker, there are two types of agencies and how they can service your needs differently. Agents can be described as either exclusive agents or independent agents. Either can do a good job, but it is a good idea to know how they are different since it can impact the type of agent you choose.
Independent Auto Insurance Agencies or Brokers
These type of agents do not write with just one company and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you.
If you need lower rates, you will definitely want to get some free quotes from multiple independent agents in order to have the best price comparison.
Exclusive Insurance Agencies
Exclusive insurance agents write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their company's products which helps overcome the inability to quote other rates.
Selecting a car insurance agent should depend on more than just a cheap price. The answers to these questions are important, too.
- Do they regularly work with personal auto policies in Dana Point?
- How often do they review policy coverages?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they offer rental car reimbursement?
- Where are claims handled?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agent and/or agency licensed to do business in California?
- Which companies do they recommend if they are an independent agency?
If you feel you receive good responses and an acceptable price quote, it's a good possibility that you have found a car insurance agent that can be trusted to insure your vehicles.
Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a bird, falling objects, rock chips in glass and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Since many California drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, dental work, prosthetic devices, ambulance fees and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Auto liability insurance
Liability coverage provides protection from damage or injury you incur to other's property or people that is your fault. It protects YOU against claims from other people. Liability doesn't cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and $5,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
Collision coverage protection
Collision insurance pays for damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as driving through your garage door, sideswiping another vehicle, crashing into a building, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.
Cheaper auto insurance is out there
As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Throughout this article, we presented a lot of tips how to lower your auto insurance rates in Dana Point. It's most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. Consumers may even find the best rates are with a smaller regional carrier. These companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.
To learn more, feel free to browse the articles below:
- Property Damage Coverage (Liberty Mutual)
- Who Has Cheap California Auto Insurance Quotes for State Employees? (FAQ)
- What is the Best Cheap Car Insurance in Anaheim, CA? (FAQ)
- What Auto Insurance is Cheapest for Used Cars in California? (FAQ)
- Who Has Cheap California Auto Insurance for a 20 Year Old Female? (FAQ)
- Safety Features for Your New Car (State Farm)
- Help Your Teen Be a Better Driver (State Farm)