Are you a victim of an overpriced insurance policy? It's quite common and many Sunnyvale drivers have buyer's remorse.
Unbelievable but true, most drivers have remained with the same insurance company for a minimum of four years, and 38% of drivers have never shopped around. California drivers could save 35% each year by just comparing quotes, but they don't know the rate savings if they switched. Consumers have multiple car insurance companies to pick from, and even though it's nice to be able to choose, more options can take longer to locate the cheapest rates.
Finding and comparing more affordable auto insurance policy in Sunnyvale is not as time-consuming as you think. If you have coverage now or just want a better rate, you can use these techniques to reduce the price you pay without reducing protection. Shoppers just need to use the most effective way to shop for auto insurance using one simple form.
The best way to compare insurance rates in your area utilizes the fact most of the bigger providers will pay a fee to give rate comparisons. All consumers are required to do is give the companies some data like how old drivers are, deductibles desired, if you have a valid license, and how you use your vehicles. Your rating data is instantly submitted to multiple auto insurance providers and you will receive price estimates instantly to find the best rate.
To get price quotes for your car now, click here and enter your coverage details.
The car insurance companies shown below are our best choices to provide quotes in Sunnyvale, CA. If your goal is to find cheap car insurance in California, we recommend you visit as many as you can in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,452||$726||$121|
|Chevrolet Malibu LTZ||$1,450||$725||$121|
|Chevrolet Silverado LS Extended Cab 2WD||$1,124||$562||$94|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,368||$684||$114|
|Ford Escape XLS 2WD||$1,124||$562||$94|
|Ford F-150 Lariat Crew Cab 2WD||$1,526||$763||$127|
|Ford Focus SEL 4-Dr Sedan||$1,550||$775||$129|
|Honda Accord LX-P 4-Dr Sedan||$1,102||$551||$92|
|Honda CR-V EX 2WD||$1,452||$726||$121|
|Honda Civic LX 2-Dr Coupe||$1,442||$721||$120|
|Jeep Grand Cherokee Limited 4WD||$1,648||$824||$137|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,446||$723||$121|
|Nissan Altima Hybrid 4-Dr Sedan||$1,490||$745||$124|
|Nissan Rogue SL 2WD||$1,222||$611||$102|
|Toyota Camry XLE||$1,230||$615||$103|
|Toyota Corolla XLE||$1,482||$741||$124|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can affect insurance rates considerably.
Comparison of car insurance rates by gender and age in Sunnyvale
The information below illustrates the difference between insurance prices for male and female drivers in Sunnyvale. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration on a Hyundai Sonata SE.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Can higher deductibles save money?
The chart below demonstrates how deductible levels and can raise or lower Chevrolet Malibu premium costs for each different age group. The costs are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
Full coverage rates compared to liability only
The example below illustrates the difference between Dodge Ram premium costs with full physical damage coverage compared to only buying liability only. Data assumes no claims, a clean driving record, $250 deductibles, single male driver, and no discounts are applied to the premium.
Dodge Ram 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 specific rule for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let's assume your Dodge Ram settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Save a ton with discounts
Auto insurance companies do not list all available discounts in an easy-to-find place, so the following list contains both well-publicized as well as the least known discounts you could be receiving when you buy Sunnyvale auto insurance online.
- Multiple Policy Discount - When you combine your auto and homeowners insurance and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find cheap Sunnyvale auto insurance.
- Seat Belt Discounts - Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
- Discounts for Government Workers - Federal government employees can earn a discount up to 10% with some insurance companies.
- Home Ownership Discount - Just owning your own home may trigger a policy discount on insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Driver Training Discounts - Taking part in a safe driver course is a good idea and can lower rates if your company offers it.
- Anti-theft System - Cars optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- ABS Brakes - Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Discount for Life Insurance - Some insurance companies give lower insurance rates if you buy life insurance from them.
- Student Driver Training - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course if offered at their school.
Please keep in mind that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.
A list of insurance companies and some of their more popular discounts are included below.
- Progressive offers premium reductions for online quote discount, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- GEICO may include discounts for driver training, air bags, multi-vehicle, five-year accident-free, daytime running lights, anti-lock brakes, and anti-theft.
- State Farm discounts include good student, defensive driving training, good driver, anti-theft, multiple autos, multiple policy, and safe vehicle.
- Esurance includes discounts for multi-car, renters, anti-lock brakes, multi-policy, online shopper, and anti-theft.
- The Hartford may have discounts that include bundle, defensive driver, air bag, driver training, and anti-theft.
If you need lower rates, check with each insurance company how you can save money. All car insurance discounts may not apply to policyholders everywhere. To view insurers that provide some of the discounts listed above in Sunnyvale, follow this link.
Components of your auto insurance premiums
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that go into determining your premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates. Multiple criteria are part of the equation when pricing auto insurance. Some are obvious such as your driving record, but some are more obscure such as your marital status or your commute time.
Liability insurance risk factors in - Liability insurance will provide protection when you are determined to be liable for causing damage or personal injury in an accident. Your policy's liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
Auto insurance lapses lead to higher auto insurance rates - Having an insurance coverage lapse is a quick way to drive up your policy premiums. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a license revocation or jail time.
Premiums are lower the older you get - Beginning drivers in California are statistically proven to be inattentive with other occupants in the car and because of this, their auto insurance rates are much higher. Older people are more responsible, are lower risk to insure, and receive fewer citations.
Don't buy extra policy coverages you don't need - There are many optional add-on coverages that you can buy when buying auto insurance. Coverage for things like replacement cost coverage, towing coverage, and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so consider taking them off your policy.
Lower rates by increasing deductibles - Your deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more expense you choose to pay out-of-pocket, the lower your rates will be.
Being married brings a discount - Walking down the aisle may save some money when shopping for auto insurance. Having a spouse means you're more mature it has been statistically shown that married couples file fewer claims.
Local agents and auto insurance
A small number of people just prefer to talk to a local agent and there is nothing wrong with that. Professional insurance agents are very good at helping people manage risk and help you file claims. One of the great benefits of comparing insurance prices online is you may find better rates and still have a local agent. And providing support for neighborhood insurance agencies is definitely important in Sunnyvale.
To make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to insurance agents in Sunnyvale that give free quotes and help you find cheaper coverage. You don't have to contact any insurance agencies as quotes are delivered to your email. If you need to compare prices from a specific insurance company, feel free to jump over to their website to submit a rate quote request.
Types of auto insurance agents in Sunnyvale
If you want a good insurance agency, you need to know there are two types of agencies and how they are slightly different. Agents are considered either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it is important to understand how they are different since it can affect which agent you choose.
Independent Auto Insurance Agencies
Independent insurance agents can quote rates with many companies and that allows them to write policies amongst many companies and find the cheapest rate. To transfer your coverage to a different company, they can switch companies in-house and the insured can keep the same agent.
If you are comparing rate quotes, you should always get quotes from several independent insurance agents to maximize your price options.
Exclusive Auto Insurance Agents
Exclusive insurance agents are contracted to one company like AAA, Allstate, and State Farm. Exclusive agents cannot compare other company's rates so they are skilled at selling on more than just price. Exclusive agents are well trained on their products and sales techniques which helps offset the inability to provide other markets.
Selecting a insurance agent requires you to look at more than just the price. Before buying a policy in Sunnyvale, get answers to these questions.
- How many companies do they write for?
- Does the quote include credit and driving reports?
- How does the company pay claims for a total loss?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- When do they do a full risk review?
- Which members of your family are coverage by the policy?
Once you have received good feedback to your questions as well as a price you're happy with, it's a good possibility that you have found an insurance agent that is reputable and can insure your vehicles. It's important to know that you are able to terminate coverage when you choose so never feel you are locked into a specific agent with no way out.
Do I need special coverages?
When quoting and choosing the best car insurance coverage, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help you determine if your situation might need an agent's assistance.
- What is medical payments coverage?
- Does every company file a SR-22 automatically?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my teenager covered with friends in the car?
- Am I better off with higher deductibles on my vehicle?
- Do I need higher collision deductibles?
- Is a driver training discount available?
If you can't answer these questions but one or more may apply to you then you might want to talk to an agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.
Keep this in mind when shopping around
Lower-priced insurance in Sunnyvale can be purchased online in addition to many Sunnyvale insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not offer internet price quotes and these smaller providers only sell through local independent agents.
You just read a lot of information how to get a better price on insurance in Sunnyvale. The most important thing to understand is the more providers you compare, the better chance you'll have of finding cheaper Sunnyvale auto insurance quotes. You may even discover the lowest premium rates come from a smaller regional carrier.
People change insurance companies for a number of reasons such as policy cancellation, high rates after DUI convictions, policy non-renewal and delays in responding to claim requests. It doesn't matter what your reason, finding the right insurance provider is less work than it seems.
Much more information about insurance in California can be read at these links:
- Distracted Driving Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest in Huntington Beach, California? (FAQ)
- How Much are Car Insurance Quotes for Inexperienced Drivers in California? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in California? (FAQ)
- Which Company has the Cheapest Auto Insurance in Stockton, California? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- Understanding your Policy (NAIC.org)
- Side Impact Crash Tests (iihs.org)