Trying to find cheaper insurance for a new or used car in California could be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for car insurance and you need to know the quickest way to quote coverages for a and locate the cheapest rates either online or from Rocklin insurance agents.

Auto insurance companies offering low-cost prices in California

The following companies have been selected to offer free rate quotes in Rocklin, CA. If multiple companies are listed, it's highly recommended you compare several of them to get the most affordable price.

Insurance Rate Estimates for Popular Vehicles in Rocklin
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,174 $587 $98
Chevrolet Silverado Crew Cab Hybrid 2WD $1,484 $742 $124
Dodge Ram Crew Cab Sport 4WD $1,832 $916 $153
Ford Escape XLT 2WD $1,290 $645 $108
Ford F-150 Lariat King Ranch 2WD $1,690 $845 $141
Ford Focus SEL 4-Dr Sedan $1,204 $602 $100
GMC Sierra SLE Regular Cab 2WD $1,390 $695 $116
Honda Accord EX 2-Dr Coupe $1,700 $850 $142
Honda CR-V LX 2WD $1,028 $514 $86
Honda Civic LX-S 4-Dr Sedan $1,178 $589 $98
Jeep Grand Cherokee Limited 4WD $1,598 $799 $133
Mazda 3 S Sport 4-Dr Hatchback $1,252 $626 $104
Nissan Altima 3.5 SR 2-Dr Coupe $2,096 $1,048 $175
Toyota Camry LE $1,566 $783 $131
Toyota Corolla LE $1,302 $651 $109
Toyota Prius $1,474 $737 $123
Toyota Tacoma 2WD $1,158 $579 $97
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can decrease or increase auto insurance rates considerably.

Auto insurance rates based on gender

The chart below shows the difference between auto insurance rates for male and female drivers in Rocklin. The premiums assume no claims or violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in on a Hyundai Sonata GLS.

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

Should you buy full coverage?

The illustration below shows the difference between Hyundai Elantra car insurance rates with full coverage compared to only the California minimum liability coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to switch to liability coverage only

There is no exact rule to exclude physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Hyundai Elantra replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying your deductible. If you are currently paying more than $200 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not recommended. 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 cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Score discounts on Rocklin insurance

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but some must be requested specifically in order for you to get them.Discount insurance

Policy discounts save money, but most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But any discount will lower your overall premium however.

Auto insurance companies that may offer these discounts may include but are not limited to:

Before purchasing a policy, check with every company what discounts are available to you. Savings may not be offered in Rocklin. If you would like to choose from a list of insurers who offer insurance discounts in California, follow this link.

Auto insurance is unique, just like you

Keep in mind that when it comes to choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are unique to you.Auto insurance savings

Here are some questions about coverages that can help discover whether you could use an agent's help.

If you're not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Compare rate quotes but buy from a neighborhood Rocklin auto insurance agent

A lot of people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good insurance agents are trained risk managers and help in the event of a claim. One of the best bonuses of comparing insurance prices online is the fact that drivers can get cheap car insurance rates and still have an agent to talk to.

Insurance agents in RocklinTo make it easy to find an agent, after completing this simple form, your coverage information is transmitted to insurance agents in Rocklin that provide free Rocklin car insurance quotes for your coverage. It simplifies rate comparisons since you won't have to do any legwork because quoted prices will be sent immediately to you. If you need to get a price quote for a specific company, just find their quoting web page to submit a rate quote request.

Choosing the best insurance company should include more criteria than just a low price. A good agent in Rocklin will have answers to these questions.

If you want to use a local Rocklin insurance agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Car insurance agencies are categorized either independent or exclusive depending on the company they work for. Both types of agents can write policy coverage, but it's important to point out the differences because it can impact the selection process.

Exclusive Agents

Exclusive agents can only provide one company's prices such as Allstate and State Farm. These agents are not able to shop your coverage around so you might not find the best rates. Exclusive agencies are usually well trained on their products and sales techniques and that can be a competitive advantage. Consumers often use the same agent mostly because of high brand loyalty rather than low price.

Independent Agents (or Brokers)

Agents that elect to be independent often have many company appointments so as a result can place your coverage with a variety of different insurance companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.

If you need cheaper car insurance rates, you will definitely want to include price quotes from a couple of independent agencies so that you have a good selection of quotes to compare. They also have the ability to place coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Insurance advertising tricks

California drivers can't get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies state the claim about saving some big amount if you just switch your car insurance coverage to their company.

How can each company charge you less for auto insurance? Here is how they do it.

Insurance companies quote their cheapest rates for the type of customer that will generate a profit. For instance, a profitable risk profile might have to be between the ages of 30 and 50, has had continuous coverage, and drives less than 5,000 miles a year. Someone who fits that profile may get the lowest auto insurance rates in Rocklin and is almost guaranteed to cut their car insurance rates if they switch.

Consumers who don't meet the ideal profile will be quoted higher prices and this can result in the customer buying from someone else. The ads state "drivers that switch" not "everyone who quotes" save the amount stated. This is how companies can truthfully state the savings. Because of these techniques, you really need to compare rate quotes every year. Because you cannot predict which insurance companies will have the best prices for your profile.

Compare. Compare. Compare.

While you're price shopping online, it's a bad idea to buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage only to discover later they didn't purchase enough coverage. Your focus should be to buy the best coverage you can find at the best cost while still protecting your assets.

You just read quite a bit of information on how to lower your auto insurance premium rates in Rocklin. The most important thing to understand is the more companies you get prices for, the higher your chance of finding inexpensive Rocklin car insurance quotes. You may even discover the biggest savings come from the least-expected company.

Some auto insurance companies don't offer price quotes online and these regional carriers work with local independent agents. Discount auto insurance can be bought from both online companies as well as from independent agents in Rocklin, and you should be comparing both so you have a total pricing picture.

Additional auto insurance information can be found on the following sites: