If you're looking for lower-cost insurance, are you baffled by the number of car insurance providers in your area? Consumers have so many providers available that it can really be a chore to find the best prices. Daly City is an excellent city in which to live, but high car insurance rates can make it very difficult to afford enough coverage.

Regrettably, nearly 70% of consumers kept buying from the same company for at least the last four years, and approximately 40% of consumers have never compared rates to find cheap insurance. The average driver in Daly City could save themselves almost $470 a year by just shopping around, but they don't understand how simple it is to save money by comparing rate quotes.

You should take the time to quote other rates every six months due to the fact that insurance rates change quite often. Even if you think you had the best deal on car insurance a year ago there may be better deals available now. Block out anything you think you know about car insurance because you're going to learn how to quote online to find lower rates on car insurance.

Cheap Daly City car insurance

When quoting car insurance, remember that comparing more prices will enable you to find the best rates. Some regional insurers cannot provide price estimates online, so you should also compare prices from the smaller companies as well.

The auto insurance companies shown below offer comparison quotes in Daly City, CA. If your goal is to find cheap auto insurance in California, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Daly City
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 Malibu LS $1,506 $753 $126
Chevrolet Silverado Crew Cab Hybrid 4WD $1,354 $677 $113
Dodge Grand Caravan Crew $1,520 $760 $127
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,772 $886 $148
Ford Escape XLT 2WD $1,280 $640 $107
Ford F-150 XLT Regular Cab 4WD $972 $486 $81
Ford Focus S 4-Dr Sedan $1,146 $573 $96
Ford Fusion Sport AWD 4-Dr Sedan $1,542 $771 $129
Honda Accord LX 4-Dr Sedan $1,272 $636 $106
Honda CR-V EX-L 4WD $1,336 $668 $111
Honda Civic DX 2-Dr Coupe $1,824 $912 $152
Honda Odyssey Touring $1,436 $718 $120
Hyundai Sonata GLS 4-Dr Sedan $1,538 $769 $128
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,562 $781 $130
Mazda 3 S Grand Touring 4-Dr Hatchback $1,690 $845 $141
Nissan Altima 3.5 SR 4-Dr Sedan $1,676 $838 $140
Toyota Camry XLE $1,568 $784 $131
Toyota Corolla XLE $1,464 $732 $122
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can change price quotes significantly.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The following tables help summarize the differences in price of buying low and high coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Altima 2.5 S 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Altima Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 2.5 S 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
Altima 3.5 SR 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 3.5 SR 2-Dr Coupe $430 $932 $500 $30 $150 $2,067 $172
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Nissan Altima insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Altima 2.5 S 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Altima Hybrid 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 2.5 S 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Altima 3.5 SR 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 3.5 SR 2-Dr Coupe $314 $630 $500 $30 $150 $1,624 $135
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in garaging location in Daly City which can impact coverage prices substantially.

Based on the data above, we can derive that using a $100 deductible costs an average of $33 more each month or $396 for a full year than quoting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 12 months between claims, you would come out ahead if you opt for a higher deductible.

Comparison of policy deductibles

The example below demonstrates how deductibles and can change Hyundai Elantra annual premium costs for different categories of driver ages. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

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

Safe drivers pay less for car insurance

The chart below shows how violations and at-fault fender-benders raise Honda Civic annual premium costs for each different age group. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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

Insurance protects more than just your car

Despite the high cost of buying insurance in Daly City, paying for insurance may be mandatory for several reasons.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. But the average American driver overpays more than $700 annually so shop around at every renewal to ensure rates are inline.

Cheap Daly City car insurance rates with discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts to reduce the price significantly. Certain reductions will be credited when you quote, but some discounts are required to be manually applied before you get the savings.Cheaper car insurance with discounts

Don't be shocked that some credits don't apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it's just not the way it works.

To choose companies that offer the discounts shown above in California, click this link.

Buying from auto insurance agents

Some consumers would prefer to sit down with an agent and doing so can bring peace of mind A nice benefit of getting free rate quotes online is you can get cheap insurance rates but also keep your business local.

Insurance agency in Daly CityAfter filling out this form (opens in new window), your information is emailed to local insurance agents in Daly City who will give competitive quotes and help you find cheaper coverage. There is no need to find an agent due to the fact that quote results will go directly to you. You can find lower rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, you can always find their quoting web page and submit a quote form there.

Picking the best company is decision based upon more than just the premium amount. Any agent in Daly City should be forthright in answering these questions:

Auto insurance agents in Daly City come in two varieties

If you prefer to buy insurance from a local Daly City insurance agent, there are a couple of types of insurance agents and how they differ in how they quote coverages. Agencies in Daly City may be either independent or exclusive.

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agencies are well schooled on the products they sell and that allows them to sell at a higher price point. A lot of people choose to use a exclusive agent mainly due to the prominent brand name instead of buying on price only.

Independent Insurance Agencies

These agents are not locked into one company and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If they find a cheaper price, they can switch companies in-house and the insured can keep the same agent.

When comparing insurance rates, you need to get quotes from multiple independent agents for maximum quote selection. Many can place coverage with companies you've never heard of which may have better rates.

After talking to the agent and getting good responses to any questions you may have in addition to an acceptable price estimate, you've probably found an auto insurance agent that meets the requirements to adequately provide insurance. But keep in mind once you purchase a policy you can cancel coverage for any reason so don't assume that you're stuck with a specific agent for a certain time period.

Your auto insurance coverage should be tailored to you

Always remember that when buying the best auto insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For example, these questions could help you determine whether you could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don't have a local agent, complete this form.

A conclusion for your car insurance search

Insureds change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, questionable increases in premium and even high rates after DUI convictions. Whatever your reason, finding a great new company is less work than it seems.

We just presented a lot of information how to shop for car insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the best price on car insurance is with a small mutual company.

When searching for the cheapest Daly City auto insurance quotes, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Even more information can be found by following these links: