Do you think you bought overpriced insurance? You're in good company because there are many Chowchilla consumers feeling the pinch from expensive insurance.

Unbelievably, the majority of drivers kept their policy with the same company for at least four years, and 38% of customers have never shopped around. With the average insurance premium being $1,387, Chowchilla drivers could pocket $470 a year by just comparing quotes, but they assume it's a waste of time to find lower-cost insurance by shopping around. Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

You should take the time to do rate comparisons every six months since insurance rates change regularly. Even if you think you had the best deal on insurance on your last policy you will most likely find a better price today. You can find a lot of misleading information regarding insurance online, but in a few minutes you can learn some good information on how to put money back in your pocket.

If you have coverage now or are just looking to switch companies, use these techniques to reduce premiums without reducing coverage. Choosing the best rates in Chowchilla seems hard but is not really that difficult. Smart shoppers only need an understanding of the least time-consuming way to compare different rates using one simple form.

Lowering your auto insurance rates isn't really that difficult. All that's required is to spend a few minutes on the computer comparing rate quotes from some recommended companies.

Comparison shopping rates online is easy and it replaces the need to call or drive to all the different Chowchilla insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the advice and guidance that only a licensed agent can provide. It is possible to price shop your coverage online but have your policy serviced through an agent.

The companies shown below are our best choices to provide free rate quotes in Chowchilla, CA. To locate cheap car insurance in California, we suggest you click on several of them to find the lowest auto insurance rates.

Insurance Price Estimates for Popular Vehicles in Chowchilla
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,142 $571 $95
Chevrolet Malibu Hybrid $1,186 $593 $99
Chevrolet Silverado LT Crew Cab 2WD $1,762 $881 $147
Dodge Ram Quad Cab SLT 4WD $1,436 $718 $120
Ford Escape XLS 2WD $1,178 $589 $98
Ford F-150 XL Super Cab 4WD $1,104 $552 $92
Ford Focus SE 4-Dr Sedan $1,264 $632 $105
Ford Fusion SEL 4-Dr Sedan $1,884 $942 $157
Honda Accord LX 4-Dr Sedan $1,256 $628 $105
Honda CR-V EX-L 2WD $1,268 $634 $106
Honda Civic LX 4-Dr Sedan $1,576 $788 $131
Jeep Grand Cherokee Laredo 4WD $1,566 $783 $131
Nissan Altima 3.5 SR 4-Dr Sedan $2,072 $1,036 $173
Toyota Camry LE $1,566 $783 $131
Toyota Corolla LE $1,854 $927 $155
Toyota RAV4 Limited 4WD $1,566 $783 $131
Volkswagen Jetta 2.0T Station Wagon $1,952 $976 $163
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in garaging location in Chowchilla which can lower or raise prices considerably.

Cost comparison with and without full coverage

The example below shows the difference between Chevrolet Malibu auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no violations or accidents, $500 deductibles, single female driver, and no discounts are applied to the premium.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money on full coverage?

There is no definitive formula of when to stop paying for full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Chevrolet Malibu settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where only buying liability is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Determine discounts on Chowchilla insurance

Auto insurance companies don't always publicize every available discount in a way that's easy to find, so the list below gives a summary of both well-publicized and the more hidden credits that you can use to lower your rates. If you check and find you aren't receiving every discount available, you could be paying more than you need to.Insurance discounts

We need to note that some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

If you would like to see a list of insurance companies who offer free insurance quotes in Chowchilla, click here to view.

Auto insurance agents can find coverage gaps

Some people still prefer to go talk to an agent and that is OK! Insurance agents can help you build your policy and help file insurance claims. A nice benefit of price shopping on the web is that drivers can save money and get lower rates but also keep your business local. Buying from neighborhood insurance agencies is definitely important in Chowchilla.

Insurance agents in ChowchillaOnce you complete this form (opens in new window), your insurance data is transmitted to participating agents in Chowchilla that give free quotes for your auto insurance coverage. You won't need to drive around because prices are sent to the email address you provide. If for some reason you want to get a comparison quote from a specific insurance company, you just need to navigate to their website to submit a rate quote request.

When searching for a local Chowchilla insurance agent, there are two different types of agencies from which to choose. Auto insurance agents are classified as either independent agents or exclusive agents. Either can provide auto insurance policies, but it's a good idea to understand the difference in the companies they write for since it can impact buying decisions.

Independent Agents

Independent insurance agents do not write with just one company so they can insure your vehicles through lots of different companies and find you the best rates. If prices rise, the business is moved internally and you don't have to switch agencies. When comparing rate quotes, you will definitely want to get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison.

Exclusive Agencies

Exclusive agencies are contracted to one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so always compare other rates. They are usually well trained on their company's products which aids in selling service over price.

Finding a good insurance agency should include more criteria than just a cheap quote. These are some valid questions you should ask.

How insurance providers determine insurance rates

Lots of factors are taken into consideration when premium rates are determined. Some are obvious like an MVR report, but other factors are not quite as obvious such as your credit history or how safe your car is.

Insurance companies don't like frequent insurance claims - If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in California give discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of more catastrophic claims.

Add-on coverages can add up - Insurance policies have a lot of additional extra coverages you can purchase but may not be useful. Insurance for things like coverage for rental cars, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you've never needed them in the past get rid of them and save.

Safer vehicles are cheaper to insure - Cars with five star safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your car, truck, or SUV earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Poor credit decisions can cost you - Having a bad credit score will be a significant factor in determining premium rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with worse credit. If your credit rating is lower than you'd like, you could save money insuring your vehicle by taking the time to improve your credit score.

Buying the right vehicle insurance in California is an important decision

Even though it's not necessarily cheap to insure a vehicle in Chowchilla, insurance may not be optional for several reasons.

The benefits of buying car insurance more than cancel out the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Chowchilla is overpaying over $855 a year so compare rates once a year at a minimum to save money.

A conclusion for your car insurance search

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to discover later they didn't purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

More affordable car insurance in Chowchilla can be sourced online in addition to many Chowchilla insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don't offer rates over the internet and most of the time these smaller providers sell through independent insurance agents.

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