I can't think of a single person who looks forward to buying auto insurance, particularly when the cost is way too high.

Shockingly, most auto insurance buyers have purchased from the same company for over three years, and just under half have never compared auto insurance rates at all. The average driver in Lakewood could save almost 35% a year just by comparing rates, but most undervalue how much savings they would realize if they bought a different policy.

People have multiple insurers to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to adequately compare rates.

Our goal in writing this article help you learn how car insurance quotes work and some tips to save money. If you have coverage now, you stand a good chance to be able to shop for the lowest rates using these techniques. Although California vehicle owners can benefit by having an understanding of how companies charge you for coverage and use it to find better rates.

Find cheap auto insurance with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that come into play when calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that can help you get big savings. Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, but some are more obscure such as your credit history or your financial responsibility.

The factors shown below are some of the major factors used by companies to determine your prices.

To find cheaper prices, there are a couple of ways to compare rate quotes from lots of California auto insurance companies. The best way to find cheaper rates consists of obtaining rate quotes online.

Comparison shopping rate quotes online is easy and it makes it obsolete to drive around to and from local Lakewood insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless your situation requires the professional assistance only provided by licensed Lakewood agents. Some companies do allow you to comparison shop online and still use a local Lakewood agent.

When comparison shopping, making a lot of price comparisons increases the chance that you will find a better price. Some companies don't provide quotes over the internet, so it's important to compare quotes from those companies as well.

The auto insurance companies shown below are ready to provide price comparisons in Lakewood, CA. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.

Insurance Rates for Popular Vehicles in Lakewood
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,340 $670 $112
Dodge Grand Caravan SXT $1,416 $708 $118
Dodge Ram Crew Cab Sport 2WD $1,788 $894 $149
Ford Escape XLS 4WD $1,482 $741 $124
Ford Explorer Limited AWD $1,566 $783 $131
Ford F-150 Lariat Crew Cab 4WD $1,194 $597 $100
Ford Focus SE 4-Dr Sedan $1,364 $682 $114
GMC Sierra SL Crew Cab 2WD $1,258 $629 $105
Honda Accord LX 4-Dr Sedan $1,002 $501 $84
Honda CR-V EX 2WD $1,128 $564 $94
Honda Civic DX 4-Dr Sedan $1,848 $924 $154
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,292 $646 $108
Nissan Altima 2.5 S 4-Dr Sedan $1,606 $803 $134
Toyota Camry XLE $1,664 $832 $139
Toyota Corolla S $1,648 $824 $137
Toyota RAV4 Limited 4WD $1,348 $674 $112
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, 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. Rate quotes do not factor in specific Lakewood garaging location which can alter coverage rates noticeably.

How accidents and violations affect rates

The chart below shows how violations and accidents drive up Ford Escape insurance costs for different insured age categories. The rate quotes are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

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

Insuring your vehicle just makes sense

Despite the high insurance cost in Lakewood, maintaining insurance is required for several reasons.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is currently overpaying as much as $810 a year so it's very important to do a rate comparison at every policy renewal to make sure the price is not too high.

Take advantage of every insurance discount

Companies that sell car insurance don't list the complete list of policy discounts in a way that's easy to find, so the following list contains both the well known as well as the least known insurance savings.Cheaper insurance with discounts

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates it's possible to get free car insurance, nobody gets a free ride.

To locate companies that offer some of these discounts in California, follow this link.

Cheap insurance prices are available

When shopping online for insurance, never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

Budget-friendly insurance in Lakewood can be purchased both online and from local insurance agents, so you need to shop Lakewood auto insurance with both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these regional carriers only sell coverage through local independent agents.

We just showed you some good ideas how you can shop for insurance online. It's most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

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