Having to pay for high-priced insurance in Salinas can draw down your accounts and force you to prioritize other expenses.

Surprisingly, a recent survey revealed that a large majority of drivers in California have been with the same company for well over three years, and about 40% of consumers have never quoted insurance rates at all. Drivers in the United States could save as much as $850 every year, but most undervalue how much savings they would realize if they switched.

Having so many insurance companies to choose from, it's difficult to locate a lower cost insurance provider.

Auto insurance providers offering low-cost rates in California

The providers in the list below are ready to provide price comparisons in Salinas, CA. In order to find cheaper car insurance in California, it's a good idea that you visit as many as you can to get the best price comparison.

Insurance Rates for Popular Vehicles in Salinas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,244 $622 $104
Chevrolet Equinox LS AWD $1,216 $608 $101
Chevrolet Silverado LTZ Extended Cab 4WD $1,830 $915 $153
Dodge Ram Quad Cab ST 4WD $1,324 $662 $110
Ford Edge SEL 2WD $1,264 $632 $105
Ford Escape Limited 4WD $1,246 $623 $104
Ford F-150 XL Crew Cab 4WD $1,458 $729 $122
Ford Focus SEL 4-Dr Sedan $1,550 $775 $129
Ford Fusion SE 4-Dr Sedan $1,436 $718 $120
Honda Accord LX 4-Dr Sedan $990 $495 $83
Honda CR-V EX 2WD $1,134 $567 $95
Honda Civic LX-S 4-Dr Sedan $1,228 $614 $102
Kia Optima EX $1,572 $786 $131
Nissan Altima 2.5 4-Dr Sedan $1,390 $695 $116
Nissan Rogue S AWD $1,250 $625 $104
Toyota Camry Hybrid $1,792 $896 $149
Toyota Corolla XLE $1,648 $824 $137
Toyota RAV4 Limited 4WD $1,488 $744 $124
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in garaging location in Salinas which can raise or lower prices noticeably.

Should you raise deductibles?

The diagram below illustrates how choosing a deductible and can increase or decrease Chevrolet Tahoe insurance costs for different insured age categories. The prices are based on a single male driver, full coverage, and no discounts are taken into consideration.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Discounts mean cheaper rates

Companies offering auto insurance don't necessarily list every discount they offer very well, so we researched a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Salinas car insurance online.Insurance discounts

Don't be surprised that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it's possible to get free car insurance, insurance companies aren't that generous.

Large insurance companies and the discounts they provide are outlined below.

If you are trying to find low cost Salinas car insurance quotes, ask every company which discounts can lower your rates. Some discounts listed above may not be available in every state. To find insurance companies who offer discounts in California, follow this link.

Four things that determine your premiums

Many factors are used when you quote your car insurance policy. Some are obvious like an MVR report, although others are less obvious like your vehicle usage or how safe your car is.

What if I want to buy from local Salinas car insurance agents?

Many drivers just want to get professional advice from a licensed agent and that is not a bad decision A good thing about comparing insurance prices online is the fact that drivers can get cheap rate quotes and still have a local agent.

For easy comparison, once you complete this quick form, the coverage information is sent to participating agents in Salinas that provide free Salinas car insurance quotes and help you find cheaper coverage. You don't have to visit any agencies due to the fact that quote results will go to you instantly. Get lower rates and a licensed agent to work with. In the event you want to get a price quote from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.

Picking an insurance company should include more criteria than just the quoted price. Any agent in Salinas should be forthright in answering these questions:

If you're trying to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they are distinctly different. Insurance agencies in Salinas can be described as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive work for only one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on what they offer and that enables them to sell even at higher rates.

Independent Insurance Agents

These agents are not locked into one company and that is an advantage because they can write policies with lots of companies and potentially find a lower price. If they find a lower price, they can switch companies in-house which makes it simple for you. If you are comparing auto insurance prices, you definitely need to get quotes from independent agents to get the best comparison.

Car insurance overall losses by make and model

Which vehicles statistically have few claims? The following tables list the best and worst cars and trucks for the probability of filing claims organized by coverage.

Vehicle Make and Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 BMW M6
Smart ForTwo Audi S7
Chevy Spark Bentley Continental GT
Nissan Leaf Porsche Panamera GTS
Nissan Xterra Maserati Granturismo
Volvo V60 BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Kia Forte
Ford Expedition Nissan Versa
Ford F-250 SuperCrew Chevrolet Sonic
Audi A4 Allroad Mitsubishi Mirage
Ford F-350 SuperCrew Chrysler 200
Tesla Model S Chevrolet Spark

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew BMW M6
Ford Edge Bently Continental GT
Chevrolet Colorado Maserati Ghibli
Mini Cooper Maserati Granturismo
Jeep Wrangler BMW 6 Series
Nissan Xterra Ferrari 458

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Mitsubishi Mirage
Audi A6 Chevrolet Cruze
Chevrolet Corvette Chrysler 200
Fiat 500 Kia Rio
Acura MDX Chevrolet Impala
Subaru Outback Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Smart consumers save more

More affordable auto insurance in Salinas can be found online and with local Salinas insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer online rate quotes and usually these regional insurance providers prefer to sell through independent insurance agencies.

We covered a lot of techniques to shop for auto insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best rates are with an unexpected company. Regional companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.

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