Want a free price quotes on more competitive auto insurance rates in Montebello, CA? Montebello consumers have a choice when looking for the best price on car insurance. You can either spend your time contacting agents trying to get quotes or use the internet to get rate quotes. There are both good and bad ways to shop for auto insurance so you're going to learn the quickest way to get price quotes for a and find the lowest possible price either online or from Montebello insurance agents.

Locating the best rates in Montebello can really be easy if you know what you're doing. If you have insurance now, you will definitely be able to get lower rates using the techniques presented in this article. You only need an understanding of the quickest way to compare price quotes on the web.

The auto insurance companies shown below offer quotes in California. If you want cheaper auto insurance in California, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Montebello
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,322 $661 $110
Chevrolet Silverado LTZ Crew Cab 2WD $2,006 $1,003 $167
Dodge Ram Crew Cab Sport 4WD $1,712 $856 $143
Ford Escape XLT 2WD $1,178 $589 $98
Ford Explorer Limited 4WD $1,800 $900 $150
Ford F-150 Lariat Crew Cab Harley 4WD $1,276 $638 $106
Ford Focus SEL 4-Dr Sedan $1,206 $603 $101
GMC Sierra SLE Crew Cab 4WD $1,460 $730 $122
Honda Accord LX-S 2-Dr Coupe $1,750 $875 $146
Honda CR-V EX 2WD $1,324 $662 $110
Honda Civic EX 4-Dr Sedan $1,082 $541 $90
Hyundai Elantra GLS Touring Station Wagon $1,028 $514 $86
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,362 $681 $114
Mazda 3 S Sport 4-Dr Hatchback $1,660 $830 $138
Nissan Altima 3.5 SR 4-Dr Sedan $1,252 $626 $104
Nissan Rogue S AWD $1,624 $812 $135
Toyota Camry SE $1,464 $732 $122
Toyota Corolla XRS $1,626 $813 $136
Toyota Tacoma Double Cab 4WD $1,458 $729 $122
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in specific location information which can alter price quotes greatly.

Difference between liability only and full coverage rates

The diagram below illustrates the comparison of Dodge Ram auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $100 deductibles, married female driver, and no discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to switch to liability coverage only

There isn't a steadfast formula for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Dodge Ram replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.

How high should deductibles be?

The example below highlights how deductible selection and can influence Dodge Ram premium costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance discounts help lower rates

Companies that sell car insurance don't always list the complete list of policy discounts in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving when you buy Montebello auto insurance online.Discount auto insurance

Don't be surprised that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. Any qualifying discounts will help lower the premium cost.

Insurance companies that possibly offer most of the discounts above include:

Before you buy a policy, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not be offered in Montebello.

Why auto insurance is not optional

Even though it's not necessarily cheap to insure a vehicle in Montebello, auto insurance is a good idea for several reasons.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to get the vehicle licensed. 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 took out a loan on your car, almost all lenders will force you to have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your vehicle at a more expensive rate and force you to pay for the expensive policy.

Third, auto insurance protects not only your vehicle but also your financial assets. It will also pay for all forms of medical expenses incurred in an accident. Liability insurance also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, your auto insurance policy will pay to repair the damage.

The benefits of buying auto insurance definitely exceed the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $750 every year so it's important to compare rates each time the policy renews to ensure rates are inline.

Learn about auto insurance coverages

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages - Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a ditch, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Manufacturer Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Ford F-250 SuperCab Bently Continental GTC
Ford Edge Bently Continental GT
Jeep Wrangler BMW 6 Series
Chevrolet Colorado Bentley Continental Flying Spur
Smart ForTwo Audi RS7
GMC Canyon BMW M6

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

Uninsured or underinsured coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability - Liability coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects, medical expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy more coverage.

Vehicle Models with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Chevrolet Corvette Kia Optima
Acura MDX Dodge Charger
Volvo XC60 Chevrolet Impala
Subaru Forester Hyndai Accent
Mercedes-Benz SL Class Mitsubishi Lancer
Audi A6 Chrysler 200

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

Comprehensive protection - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a deer, falling objects, damage from flooding and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Volvo V60 Bentley Continental GTC
Infiniti QX50 BMW M6
GMC Sierra 2500 Maserati Granturismo
Chevy Silverado 2500 Audi S7
Ford F-350 Porsche Panamera GTS
Nissan Leaf BMW M6

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

Medical expense coverage - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, doctor visits, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Vehicles with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Tesla Model S Mitsubishi Lancer
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Dodge Charger
Land Rover Range Rover Sport Nissan Sentra
Ford Expedition Chevrolet Spark
Chevrolet Corvette Kia Forte

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