Are you doing reasearch to find the cheapest insurance rates in Irvine, CA? Trying to come up with a payment for expensive insurance can stress out your budget and force you to prioritize other expenses. Comparing rate quotes is recommended to slash your bill and have more diposable income.

Astonishing but true, most drivers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never compared rate quotes at all. The average driver in Irvine could pocket $470 a year just by getting comparison quotes, but most just don't grasp the actual amount they would save if they switch to a new company. There are many auto insurance companies to choose from, and although it's nice to have a choice, so many choices can make it hard to adequately compare rates.

Car insurance companies offering cheap rate quotes in California

The companies shown below provide price quotes in Irvine, CA. If you wish to find cheap auto insurance in California, we suggest you get rate quotes from several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Irvine
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,790 $895 $149
Chevrolet Silverado LS Crew Cab 2WD $2,178 $1,089 $182
Dodge Ram Crew Cab SLT 2WD $1,608 $804 $134
Ford Edge SEL 2WD $1,462 $731 $122
Ford Escape XLT 4WD $1,326 $663 $111
Ford Explorer Eddie Bauer 2WD $1,484 $742 $124
Ford F-150 XL Super Cab 4WD $1,242 $621 $104
Ford Focus SE 4-Dr Sedan $1,264 $632 $105
Honda Accord EX-L 2-Dr Coupe $1,704 $852 $142
Honda CR-V EX 2WD $1,174 $587 $98
Honda Civic DX 2-Dr Coupe $1,532 $766 $128
Hyundai Sonata SE 4-Dr Sedan $2,128 $1,064 $177
Jeep Grand Cherokee Limited 4WD $1,422 $711 $119
Nissan Altima Hybrid 4-Dr Sedan $1,664 $832 $139
Toyota Camry SE $1,422 $711 $119
Toyota Corolla XLE $2,022 $1,011 $169
Toyota Prius $1,094 $547 $91
Toyota RAV4 Limited 2WD $1,186 $593 $99
Volkswagen Jetta 2.0T Station Wagon $1,608 $804 $134
Get Your Own Custom Quote Go

Data 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, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific Irvine garaging location which can decrease or increase prices greatly.

Auto insurance rates by gender and age

The diagram below illustrates the comparison of yearly insurance costs for male and female drivers in Irvine. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in on a Nissan Altima Hybrid.

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

Comparison of policy deductibles

The information below illustrates how your deductible choice and can affect Dodge Ram insurance premiums for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Take advantage of these discounts

Auto insurance is not cheap nor is it fun to buy but there could be available discounts that many consumers don't even know exist. Certain reductions will be credited at the time you complete a quote, but occasionally some discounts must be inquired about before being credited. If they aren't giving you every credit possible, it's possible you qualify for a lower rate.Cheaper auto insurance with discounts

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, that's just not realistic.

Companies and a summarized list of policyholder discounts are included below.

If you want inexpensive Irvine car insurance quotes, ask all companies you are considering which discounts you qualify for. All car insurance discounts may not apply in Irvine.

Compare rates but buy from a local neighborhood Irvine car insurance agent

A lot of people would rather have an agent's advice and we recommend doing that Professional agents are very good at helping people manage risk and help file insurance claims. One of the benefits of getting online price quotes is you can get cheap auto insurance quotes but still work with a licensed agent.

Insurance agency in IrvineTo make it easy to find an agent, after completing this simple form, the coverage information gets sent to participating agents in Irvine who want to provide quotes for your insurance coverage. You won't even need to find an agent since price quotes are sent immediately to you. If you have a need to get a rate quote from a specific auto insurance provider, feel free to search and find their rate quote page and fill out the quote form the provide.

Finding the right provider is decision based upon more than just a cheap price. Any agent in Irvine should be forthright in answering these questions:

If you want to use a reputable agency, you should know the types of agencies and how they are slightly different. Auto insurance agents in Irvine can be described as either independent or exclusive. Both types can insure your vehicles properly, but it is important to understand the difference in the companies they write for because it can influence which agent you choose.

Exclusive Insurance Agents

Exclusive agencies write business for a single company like Farmers Insurance and State Farm. These agents are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. These agents are usually quite knowledgeable on their company's products which aids in selling service over price.

Independent Auto Insurance Agencies

Independent agencies often have many company appointments and that enables them to quote your coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move your policy to a different company and that require little work on your part. When comparing auto insurance prices, it's a good idea to get rate quotes from at a minimum one independent agency for maximum quote selection.

If you feel you receive good answers for all questions you ask and cheap Irvine car insurance quotes, you may have found an insurance agency that can be relied on to service your policy.

You can find cheap coverage

You just learned quite a bit of information on how to reduce car insurance auto insurance rates online in Irvine. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the lowest auto insurance rates are with a company that doesn't do a lot of advertising. These companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, make sure you don't buy poor coverage just to save money. Too many times, an insured cut physical damage coverage only to discover later that it was a big mistake. The proper strategy is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

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