Perplexed by the number of car insurance choices that you can choose from? Many other drivers are too. Consumers have so many choices that it can easily become a burden to find lower prices on car insurance. Everyone knows that Benicia is a wonderful place to live, but paying high car insurance rates can make it impossible to purchase enough protection.

Sadly, the vast majority of consumers renewed their policy with the same company for four years or more, and 38% of drivers have never even shopped around for cheap coverage. With the average car insurance premium being $1,847, American drivers could save themselves $859 a year just by getting comparison quotes, but they just don't understand how easy it is to do a rate comparison.

If you already have coverage, you should be able to reduce the price you pay using the following tips. Our objective in writing this article is to help you learn how car insurance companies work and some money-saving tips. But California drivers must understand how companies determine what you pay because it can help you find the best coverage.

Most larger insurance companies make it easy to get prices on their websites. Getting quotes is pretty painless as you simply enter the coverage amounts you desire into the quote form. When complete, the quote system obtains reports for credit and driving violations and generates a price based on these and other factors.

This makes it easy to compare insurance prices and it is imperative to have as many quotes as possible in order to find a lower rate.

To find out what other companies charge, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you type in coverages and limits identical to your current policy. This makes sure you will receive a price comparison for similar coverage.

The car insurance companies shown below can provide quotes in Benicia, CA. To locate cheaper car insurance in California, it's highly recommended you get rate quotes from several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Benicia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,172 $586 $98
Chevrolet Malibu LS $1,048 $524 $87
Chevrolet Silverado LT Extended Cab 2WD $1,598 $799 $133
Dodge Ram Crew Cab Sport 2WD $1,388 $694 $116
Ford Escape Limited 4WD $1,072 $536 $89
Ford Explorer XLT 2WD $1,260 $630 $105
Ford F-150 XLT Crew Cab 2WD $1,108 $554 $92
Ford Focus SEL 4-Dr Sedan $1,590 $795 $133
GMC Sierra SLE Crew Cab 2WD $1,026 $513 $86
Honda Accord EX 4-Dr Sedan $1,138 $569 $95
Honda CR-V EX-L 2WD $1,010 $505 $84
Honda Civic EX-L 4-Dr Sedan $1,990 $995 $166
Honda Odyssey EX-L W/Navigation $1,638 $819 $137
Hyundai Elantra Blue 4-Dr Sedan $1,608 $804 $134
Hyundai Sonata Limited 4-Dr Sedan $1,708 $854 $142
Mazda 3 S Sport 4-Dr Sedan $1,284 $642 $107
Nissan Altima 3.5 SR 4-Dr Sedan $1,302 $651 $109
Toyota Camry XLE $1,280 $640 $107
Toyota Corolla XRS $1,626 $813 $136
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can increase or decrease prices considerably.

Policy deductible comparison

The diagram below illustrates how choosing a deductible and can affect Hyundai Elantra insurance costs for each different age category. Data assumes a married female driver, full coverage, and no discounts are applied to the premium.

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

Accidents and violations increase rates

The information below illustrates how speeding tickets and accident claims increase Toyota Camry auto insurance rates for each age group. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

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

Annual premiums comparing men and women in Benicia

The example below shows the comparison of insurance costs for male and female drivers in Benicia. The price estimates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no other discounts are factored in on a Hyundai Sonata GLS.

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

Do you qualify for discounts on auto insurance?

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more well known and also the lesser-known credits available to you.Auto insurance discounts

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, companies wouldn't make money that way.

Large auto insurance companies and their possible discounts are shown below.

When quoting, ask every company which discounts they offer. Depending on the company, some discounts may not apply to policies in your state. To see insurers that offer multiple discounts in California, click here to view.

Three good reasons to insure your vehicle

Even though it can be expensive, paying for car insurance is not optional due to several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in California is overpaying more than $850 per year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.

What insurance coverages do I need?

Keep in mind that when it comes to choosing a policy for your vehicles, there really is not a best way to insure your cars. Everyone's situation is unique.Safe vehicles cost less to insure

For example, these questions may help highlight if your insurance needs could use an agent's help.

If you can't answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Insurance losses by coverage

Which vehicle models have severe claims? The next tables show the highest and lowest vehicle makes and models for the overall chance of having large claims orgainized by coverage.

Manufacturer Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
Jeep Wrangler Nissan GT-R
Chevrolet Colorado BMW M6
Ford F-250 SuperCab Bently Continental GTC
Smart ForTwo Bentley Continental Flying Spur
Mini Cooper Maserati Ghibli

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

Lowest and Highest Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo V60 BMW M6
Chevy Spark Bentley Continental GTC
Ford F-350 Bentley Continental GT
Nissan Leaf Audi S7
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class

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

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Chevrolet Sonic
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 3500 Mitsubishi Mirage
Chevrolet Silverado 2500 Chrysler 200
Ford Expedition Nissan Versa
Tesla Model S Nissan Sentra

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

Vehicle Make and Models with the Lowest and Highest Liability Insurance Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Kia Optima
Fiat 500 Chevrolet Sonic
Subaru Outback Hyndai Accent
Audi A6 Mitsubishi Lancer
Subaru Forester Chevrolet Cruze
Mercedes-Benz SL Class Dodge Charger

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