Finding more affordable car insurance can be hard for beginners to comparing prices online. Drivers have so many different companies and agents to choose from that it can easily turn into a lot of work to compare prices in California on car insurance.

A study showed that over 70% of drivers kept their coverage with the same car insurance company for at least the last four years, and nearly 40% of drivers have never even shopped around for affordable coverage. The average driver in California could save 35% every year just by comparing rates, but they just don't want to go online and compare rates.

Car insurance providers offering low-cost prices in California

The providers in the list below provide comparison quotes in California. If your goal is to find cheap car insurance in California, we recommend you visit several of them in order to find the most affordable rates.

Insurance Estimates for Popular Vehicles in Vallejo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $1,406 $703 $117
Chevrolet Silverado LT Extended Cab 4WD $1,566 $783 $131
Dodge Ram Quad Cab Laramie 4WD $1,930 $965 $161
Ford Escape Limited 4WD $1,082 $541 $90
Ford F-150 XLT Crew Cab 2WD $1,770 $885 $148
Ford Focus SE 4-Dr Sedan $1,272 $636 $106
GMC Sierra SLT Crew Cab 2WD $1,592 $796 $133
Honda Accord LX-S 2-Dr Coupe $1,896 $948 $158
Honda CR-V LX 2WD $1,128 $564 $94
Honda Civic EX-L 4-Dr Sedan $1,368 $684 $114
Jeep Grand Cherokee Limited 4WD $1,676 $838 $140
Nissan Altima Hybrid 4-Dr Sedan $1,626 $813 $136
Toyota Camry LE $1,348 $674 $112
Toyota Corolla LE $1,232 $616 $103
Toyota Prius $1,094 $547 $91
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can modify insurance rates significantly.

Gender-based car insurance rates by age

The chart below visualizes the comparison of auto insurance costs for male and female drivers in Vallejo. The data assumes no claims or violations, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in on a Ford Focus SES.

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

Full coverage rates compared to liability only

The diagram below shows the comparison of Nissan Altima auto insurance rates with and without full coverage. Data assumes no claims or violations, $100 deductibles, married female driver, and no other discounts are factored in.

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

When to stop buying physical damage coverage

There is no specific rule to eliminate physical damage insurance, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's assume your Nissan Altima book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying the physical damage deductible. If it's costing you more than $500 annually to have full coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Get lower-cost car insurance with discounts

Companies don't always advertise all available discounts in a way that's easy to find, so the next list breaks down both the well known and also the lesser-known ways to save on car insurance.Discount car insurance

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will bring down your policy premium.

Large car insurance companies and a partial list of their discounts include:

It's a good idea to ask every company the best way to save money. Discounts may not apply in your state.

When should I get advice from an agent?

Certain consumers just prefer to talk to a local agent. A good thing about getting online price quotes is you may find lower rates but still work with a licensed agent. Buying insurance from local agencies is especially important in Vallejo.

Insurance agents in VallejoBy using this simple form, your insurance data is submitted to local insurance agents that give free quotes for your insurance coverage. You never need to do any legwork due to the fact that quote results will go to you. You can find the lowest rates without a big time investment. In the event you want to get a price quote for a specific company, don't hesitate to find their quoting web page and fill out the quote form the provide.

If you are searching for a local insurance agency, it's important to understand the different types of agents and how they work. Agents are either independent or exclusive.

Independent Agents (or Brokers)

Independent agencies are not employed by one company and that gives them the ability to insure through lots of different companies and find you the best rates. If you want to switch companies, they can switch companies in-house which makes it simple for you. When shopping rates, it's recommended you compare prices from at a minimum one independent agency for maximum quote selection. Many can place coverage with smaller mutual companies which could offer lower prices.

Exclusive Auto Insurance Agencies

Exclusive agencies are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agencies are well trained on their products and sales techniques which helps overcome the inability to quote other rates. Many people use the same agent primarily because of the brand and the convenience of having a single billing for all their coverages.

Selecting an insurance agency requires more thought than just a cheap price quote. These are valid questions to ask:

Learn about auto insurance coverages

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, rock chips in glass, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental GTC
Volvo V60 Audi S7
Infiniti QX50 BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo Mercedes-Benz S Class
Chevy Spark Maserati Granturismo

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

Auto collision coverage

Collision insurance will pay to fix damage to your vehicle from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Ferrari 458
GMC Canyon Maserati Ghibli
Ford F-250 SuperCab Bentley Continental Flying Spur
Ford Edge Audi RS7
Smart ForTwo Maserati Granturismo
Jeep Wrangler Bently Continental GT

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

Auto liability insurance

This can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/5 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.

Lowest and Highest Auto Insurance Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chevrolet Impala
Subaru Outback Chevrolet Sonic
Audi A6 Kia Optima
Acura MDX Hyndai Accent
Mercedes-Benz SL Class Chevrolet Cruze
Chevrolet Corvette Mitsubishi Mirage

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

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, funeral costs and hospital visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Lowest and Highest Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Kia Forte
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Lancer
Audi A4 Allroad Chevrolet Spark
Ford F-250 SuperCrew Nissan Versa

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

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.

Since a lot of drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liability limits.

Don't give up on cheap premiums

We just covered a lot of information how to find cheaper coverage online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest rates come from the least-expected company.

As you quote Vallejo auto insurance, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

More affordable auto insurance in Vallejo is definitely available both online and from local agencies, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these smaller providers sell through independent agencies.

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