Getting more affordable quotes on the internet may be intimidating for people that are not comfortable with quoting and buying insurance online. With more and more companies in the marketplace, how are we expected to have time to compare the different rates to find the lowest price?

Unbelievable but true according to a study most drivers have stayed with the same insurance company for well over three years, and just short of a majority have never compared quotes from other companies. Most drivers in California could save themselves nearly 35% a year, but they don't want to take the time to compare other rate quotes.

It's a good idea to shop coverage around before your policy renews due to the fact that insurance prices change quite often. If you had the best quotes on insurance two years ago you can probably find a lower rate today. Forget all the misinformation about insurance because you're about to find out the proper way to properly buy coverages while reducing your premium.

Auto insurance companies in Clearlake

The companies in the list below offer price comparisons in Clearlake, CA. In order to find the cheapest car insurance in California, we suggest you compare several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Clearlake
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,526 $763 $127
Chevrolet Silverado LT Extended Cab 4WD $1,342 $671 $112
Dodge Ram Crew Cab Sport 2WD $1,368 $684 $114
Ford Escape XLT 4WD $1,164 $582 $97
Ford F-150 XLT Crew Cab 4WD $1,608 $804 $134
Ford Focus SES 4-Dr Sedan $1,206 $603 $101
Honda Accord LX 4-Dr Sedan $1,118 $559 $93
Honda CR-V LX 2WD $1,118 $559 $93
Honda Civic SI 4-Dr Sedan $1,758 $879 $147
Honda Odyssey EX-L $1,672 $836 $139
Hyundai Elantra SE 4-Dr Sedan $1,102 $551 $92
Nissan Altima Hybrid 4-Dr Sedan $1,450 $725 $121
Toyota Camry LE $1,566 $783 $131
Toyota Corolla XRS $1,406 $703 $117
Toyota RAV4 Limited 4WD $1,164 $582 $97
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in garaging location in Clearlake which can influence premium rates considerably.

Full coverage versus liability-only

The illustration below visualizes the comparison of Honda Accord annual premium costs with and without full coverage. The data is based on no violations or claims, $500 deductibles, married female driver, and no other discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no definitive formula to delete full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Honda Accord settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your deductible. If you are paying more than $600 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few cases where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Raise deductibles and save

A question often asked by Clearlake drivers is where to set your physical damage deductibles. The tables below determine how much more you'll pay between low and high physical damage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

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

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata GLS 4-Dr Sedan $342 $576 $500 $30 $150 $1,623 $135
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata SE 4-Dr Sedan $342 $678 $500 $30 $150 $1,725 $144
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
Sonata Limited 4-Dr Sedan $386 $678 $500 $30 $150 $1,769 $147
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Hyundai Sonata insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata GLS 4-Dr Sedan $278 $464 $500 $30 $150 $1,422 $119
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata SE 4-Dr Sedan $278 $546 $500 $30 $150 $1,504 $125
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
Sonata Limited 4-Dr Sedan $314 $546 $500 $30 $150 $1,540 $128
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in vehicle location which can influence rates substantially.

Based on these figures, using a $250 deductible costs roughly $18 more each month or $216 every year than opting for the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 14 months between claims, you would probably come out ahead going with the higher deductible.

Auto insurance rates are higher with tickets and accidents

The illustration below shows how violations and at-fault fender-benders can affect Ford Focus insurance premiums for each different age category. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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

Buy more affordable car insurance with these tips

Consumers need to have an understanding of the rating factors that are used to determine your premiums. If you know what determines premiums, this allows you to make good choices that could help you find lower car insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

Premiums are high for teenagers - Older insureds are more cautious drivers, tend to cause fewer accidents, and are generally more financially stable.Young drivers are statistically proven to be easily distracted when at the wheel of a vehicle so car insurance rates are higher.

Safety first - Vehicles that have high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and thus lower rates. If your car, truck, or SUV scored better than four stars on or an "acceptable" rating on it is probably cheaper to insure.

Deter vehicle theft - Purchasing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart theives like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

Your occupation and car insurance rates - Careers such as judges, social workers and miners tend to pay higher premium rates because of intense work requirements and long work days. Other careers such as scientists, historians and homemakers have lower than average premiums.

Get lower-cost auto insurance with discounts

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not even know about. A few discounts will be applied when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.Save money with discounts

Policy discounts save money, but most discount credits are not given the the whole policy. Most cut individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, that's just not realistic.

Companies and the discounts they provide are shown below.

When getting a coverage quote, ask all the companies the best way to save money. Some of the earlier mentioned discounts may not be offered in your area. If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes in Clearlake, click this link.

Ads can be misleading

Well-known insurance companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to advertise claims that drivers can save some big amount if you move your policy. How does every company have lower policy pricing? Just pay attention to how they say it.

All companies quote the lowest rates for the type of customer that is profitable for them. A good example of this type of risk profile might be over the age of 35, has a low-risk occupation, and has a short commute. A propective insured who fits those characteristics receives the best prices in Clearlake as well as save some money.

Insureds who don't qualify for the requirements will get higher rates which leads to business going elsewhere. The trick companies use is to say "customers that switch" not "everyone who quotes" can save as much as they claim. That's why companies can state the savings. Because each company has a different risk profile, it's extremely important to get Clearlake car insurance quotes as often as possible. It is impossible to predict which insurance companies will fit you best based on your risk profile.

Final considerations

Some insurance providers may not offer internet price quotes and many times these regional carriers prefer to sell through independent agents. More affordable auto insurance in Clearlake is available online and with local Clearlake insurance agents, and you should compare price quotes from both to have the best selection.

Drivers change insurance companies for many reasons like unfair underwriting practices, delays in paying claims, questionable increases in premium and even policy non-renewal. It doesn't matter why you want to switch switching companies can be less work than you think.

Throughout this article, we presented some good ideas how to shop for auto insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest prices come from a company that doesn't do a lot of advertising.

Helpful learning opportunities