I can't think of anyone who looks forward to paying premiums for car insurance, in particular when it costs too dang much.

Unfortunately, about 70% of customers renewed their policy with the same company for four years or more, and 38% of customers have never quoted car insurance rates at all. Many consumers in America could save an average of about $859 each year by just shopping around, but they underestimate the actual amount they would save if they replace their high priced policy.

Due to the large number of companies to choose from , it's nearly impossible to find the best company.

Don't overlook these insurance discounts

Auto insurance companies don't always publicize the complete list of policy discounts in an easy-to-find place, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Encinitas auto insurance online.Insurance discounts

Discounts lower rates, but most discount credits are not given the the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will cut your overall bill.

A list of insurance companies and some of the discounts are detailed below.

Before buying, ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in Encinitas. If you would like to choose from a list of insurance companies with significant discounts in California, click here.

The quickest method to compare car insurance rates is to know most of the larger companies actually pay money for the chance to compare their rates. To start a quote, the only thing you need to do is give them some information like the ages of drivers, if you went to college, any included safety features, and whether your vehicle is owned or leased. That rating data is sent automatically to multiple different insurance companies and you receive quotes quickly.

To compare rates now, click here and find out if you can get cheaper insurance in Encinitas.

The companies shown below provide quotes in Encinitas, CA. If multiple companies are listed, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Encinitas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,048 $524 $87
Chevrolet Silverado LS Regular Cab 2WD $1,140 $570 $95
Dodge Ram Quad Cab SLT 4WD $1,904 $952 $159
Ford Escape XLS 2WD $1,482 $741 $124
Ford Explorer XLT 2WD $1,220 $610 $102
Ford F-150 FX4 4WD $1,548 $774 $129
Ford Focus SEL 4-Dr Sedan $1,278 $639 $107
GMC Sierra Denali Crew Cab 2WD $1,578 $789 $132
Honda Accord LX-P 4-Dr Sedan $966 $483 $81
Honda CR-V EX-L 2WD $1,052 $526 $88
Honda Civic LX 2-Dr Coupe $1,256 $628 $105
Kia Optima LX $1,482 $741 $124
Nissan Altima 2.5 4-Dr Sedan $1,566 $783 $131
Toyota Camry Hybrid $1,744 $872 $145
Toyota Corolla S $1,606 $803 $134
Volkswagen Jetta 2.0T 4-Dr Sedan $1,260 $630 $105
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific Encinitas garaging location which can decrease or increase auto insurance rates significantly.

Comparison of auto insurance rates by age and gender

The diagram below illustrates the comparison of insurance prices for male and female drivers in Encinitas. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in on a Honda Pilot Touring.

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

Raise deductibles and save

When comparing auto insurance rates, the most common question is what deductibles to buy. The comparisons below can help you visualize the differences in price of buying low and high policy deductibles. The first set of rates uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $380 $686 $500 $30 $150 $1,771 $148
Optima EX $430 $810 $500 $30 $150 $1,945 $162
Optima SX $430 $810 $500 $30 $150 $1,945 $162
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Kia Optima insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $210 $362 $500 $30 $150 $1,252 $104
Optima EX $238 $426 $500 $30 $150 $1,344 $112
Optima SX $238 $426 $500 $30 $150 $1,344 $112
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in vehicle location which can impact premium rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs approximately $48 more each month or $576 each year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claim filings, you would probably save some money by selecting a higher deductible. Here's a better example of how this decision is made.

Average monthly premium for $100 deductibles: $157
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

When to get professional advice

When selecting adequate coverage for your vehicles, there isn't really a one-size-fits-all type of policy. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance claims by make and model

What vehicles have the most claims? The tables below show the worst and best cars and trucks for the overall chance of having claims orgainized by coverage.

Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Silverado 2500 Chevrolet Sonic
Ford F-350 SuperCrew Nissan Versa
Chevrolet Corvette Mitsubishi Lancer
Chevrolet Silverado 3500 Dodge Charger
Ford Expedition Chevrolet Spark

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

Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Fiat 500 Chevrolet Sonic
Subaru Outback Kia Rio
Chevrolet Corvette Chevrolet Impala
Acura MDX Hyndai Accent
Audi A6 Chrysler 200
Subaru Forester Chevrolet Cruze

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

Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Mini Cooper Audi RS7
Ford Edge Bently Continental GT
GMC Canyon BMW M6
Ford F-150 SuperCrew Bentley Continental Flying Spur
Smart ForTwo Maserati Ghibli
Nissan Xterra Ferrari 458

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

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Claims Highest Claims
Nissan Xterra Maserati Granturismo
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo BMW M6
Chevy Spark Bentley Continental GTC
Ford F-350 Audi S7
Chevy Silverado 2500 Mercedes-Benz S Class

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

Lower rates by being persistent

Throughout this article, we presented some good ideas how you can get a better price on insurance in Encinitas. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Encinitas auto insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

Lower-priced insurance in Encinitas can be purchased online in addition to local insurance agencies, so get free Encinitas auto insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get quotes online and usually these small insurance companies only sell through independent agencies.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

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