Searching for cheaper insurance rates in Lake Forest, CA? Overpriced insurance in Lake Forest can consume your family's budget and put a big crunch on your finances. Getting a rate comparison is a fast and free way to slash your bill and have more diposable income.

A recent insurance study discovered that a large majority of drivers have been with the same company for at least four years, and approximately 40% of consumers have never shopped around. Lake Forest insurance shoppers can cut their rates by 35% a year, but most just don't grasp the big savings they would realize if they just switched companies.

Due to the fact that there are so many options, it can be challenging to pick a lower cost insurance company.

Buying the cheapest auto insurance in Lake Forest seems hard but is not really that difficult. Just about each driver who quotes auto insurance should be able to find lower rates. But California drivers should learn how insurance companies set your policy premium because it can help you find the best coverage.

These seven discounts can cut insurance rates

Car insurance is not cheap, but you may qualify for discounts to help offset the cost. Some trigger automatically at quote time, but less common discounts must be manually applied before they will apply. If you do not double check each discount available, you may be paying too high a price.Save money with discounts

A quick disclaimer, some credits don't apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn't work that way.

If you would like to see a list of insurance companies with discount insurance rates in California, click this link.

When looking for affordable Lake Forest auto insurance quotes, there are a couple ways to compare rate quotes from different Lake Forest insurance companies. By far the easiest way to find affordable insurance rates is simply to get online rate quotes.

Doing online rate quotes comparisons is so easy that it takes the place of having to go to local Lake Forest insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the peace of mind of a local agency. If you prefer, some companies allow you to comparison shop your insurance online and get advice from an agent in your area.

Just remember that comparing a wide range of rates increases your odds of finding lower pricing. Not every company provides quotes online, so you should also compare rates on coverage from those companies, too.

The following companies are our best choices to provide comparison quotes in California. To buy cheap auto insurance in California, it's a good idea that you compare several of them in order to find the lowest rates.

Insurance Estimates for Popular Vehicles in Lake Forest
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $1,490 $745 $124
Chevrolet Impala LT $1,688 $844 $141
Chevrolet Silverado LTZ Crew Cab 2WD $2,006 $1,003 $167
Dodge Ram Quad Cab Laramie 2WD $1,712 $856 $143
Ford Escape XLS 4WD $1,118 $559 $93
Ford Explorer Limited AWD $1,256 $628 $105
Ford F-150 Lariat Crew Cab 2WD $1,256 $628 $105
Ford Focus SE 2-Dr Coupe $1,750 $875 $146
Honda Accord LX-S 2-Dr Coupe $1,758 $879 $147
Honda CR-V EX-L 2WD $1,468 $734 $122
Honda Civic DX 4-Dr Sedan $1,526 $763 $127
Nissan Altima 3.5 SR 4-Dr Sedan $1,884 $942 $157
Toyota Camry XLE $1,626 $813 $136
Toyota Corolla XRS $1,904 $952 $159
Toyota RAV4 4WD $1,304 $652 $109
Toyota Tacoma X-Runner 2WD $1,790 $895 $149
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates greatly.

Gender-based car insurance premiums in Lake Forest

The diagram below shows the difference between insurance costs for male and female drivers in Lake Forest. Data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in on a Toyota Camry SE.

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

Higher deductibles save money

When buying car insurance, a common question is how high should your deductibles be. The tables below outline how much more you'll pay when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.

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

Honda Pilot insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $342 $472 $442 $26 $132 $1,439 $120
Pilot EX 2WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX 4WD $386 $472 $442 $26 $132 $1,483 $124
Pilot EX-L 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot EX-L 4WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 2WD $386 $576 $442 $26 $132 $1,587 $132
Pilot Touring 4WD $386 $576 $442 $26 $132 $1,587 $132
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Honda Pilot insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $278 $382 $442 $26 $132 $1,260 $105
Pilot EX 2WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX 4WD $314 $382 $442 $26 $132 $1,296 $108
Pilot EX-L 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot EX-L 4WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 2WD $314 $464 $442 $26 $132 $1,378 $115
Pilot Touring 4WD $314 $464 $442 $26 $132 $1,378 $115
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in garaging location in Lake Forest which can decrease or increase prices significantly.

Based on this data, using a $250 deductible will cost in the ballpark of $16 more each month or $192 a year than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claims, you would save money if you choose the higher deductible.

When do I need an agent's advice?

When choosing coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.Safe vehicles cost less to insure For instance, these questions can help discover if you might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like hospital visits, dental work, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability insurance covers things like repair costs for stationary objects, attorney fees, emergency aid, structural damage and court costs. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle's occupants as well as damage to your vehicle.

Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Car insurance overall losses by make and model

What vehicles have the fewest claims? The tables below show the highest and lowest vehicle makes and models for overall likelihood of having to file claims orgainized by coverage.

Collision Claims by Vehicle
Lowest Claims Highest Claims
Nissan Xterra BMW M6
Ford F-150 SuperCrew Bentley Continental Flying Spur
Jeep Wrangler Nissan GT-R
GMC Canyon Bently Continental GTC
Ford F-250 SuperCab Maserati Granturismo
Ford Edge BMW 6 Series

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

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Ford F-250 SuperCrew Nissan Versa
Tesla Model S Chevrolet Spark
Land Rover Range Rover Sport Kia Forte
Chevrolet Silverado 2500 Chevrolet Sonic
Ford Expedition Nissan Sentra
Chevrolet Corvette Chrysler 200

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

Manufacturer Models with the Lowest and Highest Car Insurance Liability Claims
Lowest Claims Highest Claims
Volvo XC60 Chrysler 200
Subaru Forester Chevrolet Sonic
Audi A6 Kia Rio
Acura MDX Chevrolet Cruze
Mercedes-Benz SL Class Dodge Charger
Subaru Outback Hyndai Accent

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

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Nissan Leaf BMW M6
GMC Sierra 2500 BMW M6
Chevy Spark Audi S7
Volvo V60 Maserati Granturismo
Smart ForTwo Bentley Continental GT
Infiniti QX50 Mercedes-Benz S Class

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

Be persistent and save

We covered many tips how you can save on car insurance in Lake Forest. It's most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the best prices are with a small local company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Some insurance companies may not offer internet price quotes and most of the time these regional carriers only sell through independent insurance agencies. Budget-friendly car insurance in Lake Forest is attainable online in addition to many Lake Forest insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Much more information about car insurance in California is located on the following sites: