Did a good deal turn into an overpriced auto insurance policy? You're in good company because many El Centro drivers feel the same as you.

A recent auto insurance study discovered that almost 70% of insureds in California have been with the same company for at least four years, and roughly 40% of drivers have never compared rates from other carriers. Many drivers in the United States could save approximately $860 each year, but most just don't grasp the big savings they would realize if they switched to a more affordable policy.

Due to the large number of choices, it can be impossible to pick the right auto insurance provider.

Ways to get auto insurance quotes in El Centro, California

When looking for cheap El Centro car insurance quotes, there are a couple ways of comparing rate quotes from different El Centro insurance companies. The quickest method to lower the rate you pay for insurance is to use the internet to compare rates.

Doing online rate quotes comparisons is so easy that it makes it a waste of time to actually drive to and from local El Centro insurance agencies. The ability to get quotes online eliminates the middleman unless you require the trained guidance that only an agent can give. If you prefer, some companies allow you to get prices online and get advice from an agent in your area.

Just keep in mind that making a lot of price comparisons helps increase your odds of locating the best rates. Some regional insurers cannot provide price estimates online, so it's necessary to compare prices from them as well.

The companies shown below can provide quotes in California. To buy the best auto insurance in California, we recommend you visit several of them to get the most competitive price.

Insurance Estimates for Popular Vehicles in El Centro
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,282 $641 $107
Chevrolet Equinox LT 2WD $1,758 $879 $147
Chevrolet Impala LS $1,460 $730 $122
Chevrolet Silverado LS Crew Cab 4WD $1,258 $629 $105
Dodge Ram Quad Cab Sport 2WD $1,836 $918 $153
Ford Escape XLT 4WD $906 $453 $76
Ford Explorer Limited 4WD $1,192 $596 $99
Ford F-150 XL Crew Cab 2WD $1,310 $655 $109
Ford Focus SE 2-Dr Coupe $1,388 $694 $116
Honda Accord EX 2-Dr Coupe $1,332 $666 $111
Honda CR-V EX 2WD $1,228 $614 $102
Honda Civic GX 4-Dr Sedan $1,506 $753 $126
Hyundai Sonata GLS 4-Dr Sedan $1,854 $927 $155
Nissan Altima 2.5 4-Dr Sedan $1,506 $753 $126
Nissan Rogue S AWD $1,854 $927 $155
Toyota Camry SE $1,664 $832 $139
Toyota Corolla S $1,280 $640 $107
Toyota Prius $1,298 $649 $108
Volkswagen Jetta SEL 4-Dr Sedan $1,710 $855 $143
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can impact auto insurance rates greatly.

Poor driving habits will raise your car insurance rates

The illustration below demonstrates how speeding tickets and accident claims can drive up Ford Focus insurance costs for different age categories. The rates are based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.

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

Physical damage deductibles: Should you raise them?

The chart below illustrates how choosing a deductible and can raise or lower Honda Pilot insurance rates for each different age group. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.

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

Auto insurance policy discounts you can't miss

Some insurance providers do not advertise all available discounts very clearly, so below is a list a few of the more common and also the more inconspicuous discounts that may be available.Cheaper auto insurance with discounts

A little disclaimer on discounts, some credits don't apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, auto insurance companies aren't that generous. Any qualifying discounts will definitely lower the amount you pay for coverage.

To choose providers with the best discounts in El Centro, click this link.

Three main reasons to buy car insurance

Despite the fact that car insurance is not cheap in El Centro, car insurance may be required for several reasons.

First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to license the vehicle. 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 have a loan on your car, more than likely the lender will stipulate that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your vehicle at a much higher rate and require you to fork over for the much more expensive policy.

Third, insurance safeguards your vehicle and your assets. It will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you in the event you are sued. If mother nature or an accident damages your car, your policy will cover the repair costs.

The benefits of having car insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in California is overpaying more than $810 a year so you should quote your policy with other companies at every policy renewal to help ensure money is not being wasted.

How to know if you need help

When buying the best car insurance coverage, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's.Car insurance savings

Here are some questions about coverages that can help discover if your situation would benefit from an agent's advice.

If you're not sure about those questions, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form.

Do I need an agent?

Many people still like to buy from a licensed agent and that is a smart decision The best thing about comparing insurance prices online is that drivers can save money and get lower rates and still have a local agent. And buying from local insurance agencies is important particularly in El Centro.

Find insurance agent in El CentroUpon completion of this short form, the quote information gets sent to agents in your area who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won't have to even leave your home since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to get a price quote for a specific company, you just need to go to their quote page and fill out their quote form.

Pick the best car insurance agent in El Centro for you

If you are wanting to purchase insurance from a reputable insurance agent or broker, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Insurance agents may be either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Agents that choose to be independent are not restricted to one company so they have the ability to put coverage through many companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you can keep the same agent.

When comparison shopping, you should always get several quotes from independent agents for maximum quote selection.

Exclusive Insurance Agencies

Exclusive agents write business for a single company such as Farmers Insurance and State Farm. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Finding the right insurance agency shouldn't rely on just a cheap price quote. Here are some questions you might want to ask.

Best and worst vehicle claim statistics

Are you driving a high-claim vehicle? The next tables list the best and worst makes and models for the probability of having to file claims for each type of coverage.

Car Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
Nissan Xterra Maserati Quattroporte
Volvo V60 BMW M6
Ford F-350 Maserati Granturismo
Smart ForTwo Mercedes-Benz S Class
Infiniti QX50 Bentley Continental GT
Nissan Leaf Audi S7

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

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Nissan Versa
Tesla Model S Hyundai Accent
Audi A4 Allroad Mitsubishi Lancer
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 3500 Mitsubishi Mirage

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mini Cooper Bently Continental GTC
Ford Edge Audi RS7
Ford F-150 SuperCrew Maserati Ghibli
Smart ForTwo BMW M6
GMC Canyon Maserati Granturismo
Chevrolet Colorado Nissan GT-R

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

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Acura MDX Dodge Charger
Audi A6 Hyndai Accent
Subaru Forester Mitsubishi Lancer
Subaru Outback Chevrolet Sonic
Chevrolet Corvette Chrysler 200
Mercedes-Benz SL Class Kia Rio

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