Do you get exhausted from not being able to scrape enough together to pay insurance each month? You are no different than the majority of other consumers in California.
A recent survey discovered that most insurance policyholders in California kept their coverage with the same insurance company for four years or more, and about 40% of consumers have never compared rate quotes at all. U.S. insurance shoppers could save 46.5% a year by just comparing quotes, but they won't spend time to do a rate comparison.
Insurance companies such as Progressive, State Farm and GEICO persitently shower you with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.
If you currently have a car insurance policy, you stand a good chance to be able to find the best rates using these methods. Finding affordable auto insurance coverage in Dinuba can be easy if you know a few tricks. Although California consumers must know the way companies sell online and apply this information to your search.
The majority of larger companies like State Farm, GEICO and Progressive provide insurance quotes direct online. Doing online price comparisons doesn't take much effort because it's just a matter of typing in your personal and coverage information into the quote form. After the form is submitted, their system gets your driving and credit reports and gives you a price quote based on these and other factors. Getting online quotes makes it a lot easier to compare rates and it is important to compare as many rates as possible in order to get the lowest car insurance rates.
To find out if lower rates are available, check out the car insurance providers below. To compare your current rates, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This guarantees you are getting a rate comparison for similar insurance coverage.
The companies shown below are our best choices to provide price comparisons in California. To buy the best car insurance in California, we suggest you compare several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Crew Cab 2WD||$1,340||$670||$112|
|Dodge Ram Quad Cab SLT 2WD||$1,412||$706||$118|
|Ford Escape XLT 2WD||$1,328||$664||$111|
|Ford Explorer Eddie Bauer 4WD||$1,428||$714||$119|
|Ford F-150 XLT Regular Cab 4WD||$1,362||$681||$114|
|Ford Focus SES 4-Dr Sedan||$1,550||$775||$129|
|Ford Fusion S 4-Dr Sedan||$1,048||$524||$87|
|GMC Sierra SLT Crew Cab 2WD||$1,258||$629||$105|
|Honda Accord LX-S 2-Dr Coupe||$1,504||$752||$125|
|Honda CR-V EX-L 2WD||$1,158||$579||$97|
|Honda Civic VP 4-Dr Sedan||$1,608||$804||$134|
|Honda Odyssey EX W/Rear Entertainment||$1,142||$571||$95|
|Jeep Grand Cherokee Limited 4WD||$1,450||$725||$121|
|Mazda 3 S Sport 4-Dr Hatchback||$1,916||$958||$160|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,902||$951||$159|
|Toyota Camry SE||$1,418||$709||$118|
|Toyota Corolla XRS||$1,830||$915||$153|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific zip code location which can impact premiums noticeably.
Difference between liability only and full coverage rates
The example below illustrates the difference between GMC Acadia insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims, a clean driving record, $250 deductibles, married female driver, and no discounts are applied.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you pay for full coverage or liability only?
There isn't a steadfast formula of when to stop paying for comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let's say your GMC Acadia settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where only buying liability is not advised. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Determine discounts on Dinuba car insurance
Car insurance is not inexpensive, but there may be some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be inquired about before they will apply. If you do not double check each discount available, you could be saving more on your car insurance.
- Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
- Own a Home - Owning your own home or condo can save you money since owning and maintaining a home requires a higher level of personal finance.
- Driver Safety - Taking part in a driver safety course can save you 5% or more and make you a better driver.
- Discount for New Cars - Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
- Save over 55 - Drivers over the age of 55 may receive a small decrease in premiums.
- Anti-theft System - Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Accident Free - Insureds with no claims or accidents can earn big discounts compared to bad drivers.
- Waiver for an Accident - This one isn't a discount, but some companies like Progressive, State Farm and GEICO will let one accident slide without the usual rate increase if your claims history is clear prior to being involved in the accident.
- Low Mileage Discounts - Fewer annual miles can qualify you for lower prices on the low mileage vehicles.
You can save money using discounts, but most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.
To find insurance companies that offer discounts in California, click this link.
Good choices result in lower prices
Lots of things are considered when premium rates are determined. Some are pretty understandable like your driving record, but other criteria are more obscure like where you live or your financial responsibility. A large part of saving on car insurance is knowing some of the things that play a part in calculating your car insurance rates. When you understand what impacts premium levels, this enables informed choices that can earn you lower premium levels.
Shown below are just a few of the factors used by your company to calculate your rates.
Is your vehicle built for speed? - The type of vehicle you drive makes a huge difference in the rate you pay. The lowest base rates are usually for economy passenger vehicles, but other factors influence the final cost greatly.
Bundling policies can get discounts - The majority of insurers afford lower prices to people who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, it's always a smart idea to shop around to guarantee you are still saving the most.
Don't let your car insurance lapse - Allowing your coverage to lapse is a sure-fire way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance could result in a steep fine or even jail time.
Drive a safer car and pay less - Cars with five star safety ratings can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid passed on to you as lower rates. If your car or truck has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
Big brands don't always mean big savings
Respected companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all make the same claim about saving some big amount if you switch your coverage to them. How does every company give you a lower rate on car insurance?
Insurance providers have specific criteria for the driver that will generate a profit. For example, a driver they prefer might be over the age of 45, has a clean driving record, and drives newer vehicles. Any customer that hits that "sweet spot" gets the lowest rates and have a good chance to save money with a new company.
Drivers who don't measure up to the "perfect" profile will probably be forced to pay a higher premium which results in the customer buying from a different company. The ad wording is "people who switch" but not "all drivers who get quotes" save that much. This is how insurance companies can state the savings.
That is why it's extremely important to compare rate quotes every year. Because you never know with any certainty which company will fit you best based on your risk profile.
A conclusion for your auto insurance search
When you buy Dinuba auto insurance online, do not reduce coverage to reduce premium. There are too many instances where an insured cut full coverage to discover at claim time that it was a big mistake. Your objective should be to purchase a proper amount of coverage for the lowest cost, but don't skip important coverages to save money.
We just presented a lot of information how to get a better price on auto insurance in Dinuba. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. Regional companies may only write in your state and offer lower premium rates than their larger competitors like Progressive or GEICO.
More detailed auto insurance information is located by following these links:
- Alcohol Impaired Driving FAQ (iihs.org)
- What is the Cheapest Car Insurance in San Diego, California? (FAQ)
- Who Has Affordable California Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- How Much is Auto Insurance for a Honda Civic in California? (FAQ)
- Which Company has the Cheapest Auto Insurance in Stockton, California? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)