No one likes buying auto insurance, especially when they are paying too much.

Amazingly, the vast majority of drivers have been with the same company for a minimum of four years, and just under half have never compared auto insurance rates at all. American drivers could save themselves roughly 46.5% a year just by comparing rates, but they just don't understand how easy it is to compare rate quotes. Popular companies such as GEICO and Progressive continually bombard you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

Smart consumers take time to take a look at other company's rates periodically due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the lowest quotes on auto insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're going to get a crash course in one of the best ways to lower your annual insurance bill.

If you are already insured or just want cheaper rates, use these money-saving tips to buy cheaper insurance without having to cut coverage. Finding the cheapest insurance coverage in Adelanto can be easy if you know a few tricks. Smart shoppers only have to learn the most time-saving way to compare insurance rates from many different companies online.

Companies offering low-cost rate quotes in California

The companies shown below are ready to provide quotes in California. To get the best car insurance in California, it's a good idea that you compare several of them in order to find the most affordable rates.

Insurance Estimates for Popular Vehicles in Adelanto
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,364 $682 $114
Chevrolet Malibu LS $1,566 $783 $131
Chevrolet Silverado LS Regular Cab 2WD $1,396 $698 $116
Dodge Grand Caravan Hero $1,372 $686 $114
Dodge Ram Quad Cab SLT 4WD $1,450 $725 $121
Ford Escape XLT 2WD $1,094 $547 $91
Ford Explorer Limited AWD $1,604 $802 $134
Ford F-150 XLT Crew Cab 2WD $1,116 $558 $93
Ford Focus S 4-Dr Sedan $1,142 $571 $95
Honda Accord EX-L 2-Dr Coupe $1,792 $896 $149
Honda CR-V LX 4WD $1,178 $589 $98
Honda Civic LX 4-Dr Sedan $1,630 $815 $136
Jeep Grand Cherokee Limited 2WD $1,486 $743 $124
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,556 $778 $130
Nissan Altima 2.5 S 4-Dr Sedan $1,202 $601 $100
Nissan Rogue SL AWD $1,388 $694 $116
Toyota Camry SE $1,620 $810 $135
Toyota Corolla S $1,874 $937 $156
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can impact coverage rates significantly.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The rates below may help to illustrate how much more rates are when you select higher and lower policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

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

Toyota Camry insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $342 $576 $442 $26 $132 $1,543 $129
Camry SE $342 $678 $442 $26 $132 $1,645 $137
Camry XLE $342 $678 $442 $26 $132 $1,645 $137
Camry Hybrid $386 $678 $500 $30 $150 $1,769 $147
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Toyota Camry insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $278 $464 $442 $26 $132 $1,342 $112
Camry SE $278 $546 $442 $26 $132 $1,424 $119
Camry XLE $278 $546 $442 $26 $132 $1,424 $119
Camry Hybrid $314 $546 $500 $30 $150 $1,540 $128
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise prices greatly.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $18 more each month or $216 annually than opting for the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 14 months between claim filings, you would save more money if you opt for a higher deductible.

Gender-based auto insurance premiums

The chart below compares yearly insurance costs for male and female drivers in Adelanto. The premiums are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied on a Honda Accord LX-P.

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

Smart buyers can cut their auto insurance rates

Multiple criteria are considered when you get a price on insurance. A few of the factors are predictable such as your driving history, but other criteria are less obvious such as your marital status or your financial responsibility.

The items below are most of the major factors utilized by car insurance companies to help set your premiums.

How many miles do you drive? - The more you drive your car in a year's time the higher your rate. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much cost less to insure than those used for commuting. Double check that your auto insurance declarations sheet properly reflects the correct driver usage.

Discounts for alarms and GPS tracking - Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Never allow your coverage to lapse - Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, failure to provide proof of insurance could earn you a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with the California motor vehicle department.

Obey driving laws and save - Whether or not you get tickets has a lot to do with how much you pay for insurance. Just one ticket can increase rates by twenty percent. Drivers with clean records receive lower rates as compared to careless drivers. Drivers with serious citations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a SR-22 with their state DMV in order to legally drive a vehicle.

Poor credit history equals high premiums - Credit rating can be an important factor in determining what you pay for auto insurance. Insureds that have very good credit scores tend to be better risks to insure than drivers who have worse credit. So if your credit history can be improved, you could save money insuring your vehicle if you clean up your credit.

Premiums are lower the older you get - Teenage drivers in California have a tendency to be easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are shown to be more cautious, tend to file fewer claims, and are generally more financially stable.

Avoid unnecessary add-on coverages - There are a ton of additional extra coverages that you can buy but may not be useful. Insurance for personal injury protection, accident forgiveness, and additional equipment coverage may be costing you every month. They may seem like a good idea when discussing your needs, but if they're wasting money eliminate them to save money.

Get cheaper auto insurance with discounts

Auto insurance companies don't always advertise every discount they offer in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find auto insurance savings.Auto insurance discounts

As a disclaimer on discounts, some credits don't apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn't make money that way.

The best auto insurance companies and some of the discounts are shown below.

Before purchasing a policy, check with every company which credits you are entitled to. A few discounts may not be offered in every state. For a list of companies with discount auto insurance rates in California, click here to view.

Can't I compare rates from local Adelanto insurance agencies?

A small number of people still prefer to visit with an insurance agent and doing so can bring peace of mind Good insurance agents can answer important questions and give you someone to call. A nice benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes but still work with a licensed agent. Putting coverage with local agents is important particularly in Adelanto.

Find insurance agent in AdelantoAfter completing this short form, your insurance data is submitted to insurance agents in Adelanto who will give competitive quotes for your coverage. You won't even need to leave your house because prices are sent instantly to you. If you need to get a price quote from one company in particular, you would need to go to their quote page and give them your coverage information.

If you are wanting to find a local insurance agency, it's important to understand the different types of agents and how they differ in how they quote coverages. Insurance agencies in Adelanto can be classified as either independent or exclusive. Both types of agents can insure your vehicles properly, but it's a good idea to understand the difference in the companies they write for since it can affect the selection process.

Independent Insurance Agencies

Agents that elect to be independent often have many company appointments so they have the ability to put coverage with many different companies and find you cheaper rates. If your agent finds better pricing, they simply move the coverage in-house and you don't have to do anything.

When comparing rates, we recommend you contact at a minimum one independent agency so that you can do a thorough price comparison.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company like Allstate and State Farm. These agents are unable to provide other company's prices so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.

Finding the right auto insurance agent should depend on more than just the quoted price. Ask your prospective agent these questions:

When should I discuss my situation with an agent?

When choosing coverage, there really is not a "best" method to buy coverage. Each situation is unique.Auto insurance savings

These are some specific questions can help discover whether or not you will benefit from professional help.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.

Lower rates by being persistent

We've covered quite a bit of information on how to find cheaper coverage online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates are with the smaller companies.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, extreme rates for teen drivers or even not issuing a premium refund. It doesn't matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

When searching for affordable Adelanto car insurance quotes, it's not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to discover later that it was a big error on their part. Your objective should be to buy a smart amount of coverage for the lowest price.

More detailed auto insurance information can be read in these articles: