How long have you put off shopping around for more competitive auto insurance rates in Camarillo, CA? Car insurance shoppers not familiar with comparing rates online will find sourcing cheap Camarillo auto insurance is not as easy as it seems.

It's shocking but the vast majority of consumers have remained with the same auto insurance company for more than four years, and virtually 40% of consumers have never compared rate quotes at all. The average driver in Camarillo could save nearly 35% each year just by getting comparison quotes, but they assume it's a waste of time to save money by comparing rate quotes.

It is always a good idea to get comparison quotes before your policy renews because prices trend upward over time. Just because you had the lowest price on auto insurance last year you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I'm going to teach you one of the quickest ways to remove unneeded coverages and save money.

If you have a current insurance policy, you stand a good chance to be able to get lower rates using the techniques covered below. The goal of this article is to instruct you on how auto insurance companies operate and some tips to save money. But California car owners must comprehend how companies calculate their prices and apply this information to your search.

Discounts mean cheaper rates

Not many people think insurance is cheap, but there are discounts available that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be manually applied before they will apply. If you are not receiving all the discounts possible, you are throwing money away.Save money with discounts

A quick disclaimer, some of the credits will not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, it doesn't quite work that way. But any discount will lower your overall bill.

Some of the insurance companies that may offer policyholders these benefits include:

When comparing rates, check with every prospective company which discounts they offer. A few discounts may not apply to policyholders in your state. To see a list of insurance companies that have a full spectrum of discounts in Camarillo, click this link.

To find low cost Camarillo auto insurance quotes, there are several ways to compare rate quotes from many available car insurance companies in California. The fastest way to find the lowest rates is simply to get online rate quotes. When comparison shopping, comparing all the rates in your area provides better odds of finding a better price.

The companies in the list below can provide quotes in California. If you want to find cheap car insurance in California, it's a good idea that you visit as many as you can to get the cheapest price.

Insurance Rates for Popular Vehicles in Camarillo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,752 $876 $146
Chevrolet Silverado LT Extended Cab 2WD $1,588 $794 $132
Dodge Grand Caravan Hero $1,752 $876 $146
Dodge Ram Quad Cab ST 4WD $1,470 $735 $123
Ford Edge SEL AWD $1,272 $636 $106
Ford Escape Limited 2WD $1,494 $747 $125
Ford Explorer XLT 2WD $1,648 $824 $137
Ford F-150 Lariat King Ranch 4WD $1,144 $572 $95
Ford Focus SE 4-Dr Sedan $1,272 $636 $106
Honda Accord LX-P 4-Dr Sedan $1,280 $640 $107
Honda CR-V EX-L 2WD $1,468 $734 $122
Honda Civic SI 2-Dr Coupe $1,734 $867 $145
Hyundai Elantra SE Touring Station Wagon $1,244 $622 $104
Jeep Grand Cherokee SRT-8 4WD $1,598 $799 $133
Jeep Wrangler Rubicon 4WD 2-Dr $1,220 $610 $102
Nissan Altima 3.5 SR 4-Dr Sedan $1,226 $613 $102
Toyota Camry SE $1,626 $813 $136
Toyota Corolla XRS $1,102 $551 $92
Toyota RAV4 4WD $1,538 $769 $128
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in your specific Camarillo location which can impact rates significantly.

Choosing deductibles

The chart below shows how choosing a deductible and can affect Nissan Sentra premium costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Violations and accidents raise rates

The information below illustrates how violations and accident claims can affect Toyota Camry premium costs for different age groups. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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

Yearly car insurance costs for men versus women

The chart below shows the comparison of annual premium costs for male and female drivers in Calexico. The price estimates are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied on a Ford Fusion Sport.

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

How to lower your insurance premiums

Part of the insurance buying process is learning the factors that aid in calculating your insurance rates. When consumers understand what determines base rates, this enables informed choices that could help you find better insurance rates. Lots of things are used when quoting car insurance. Some are pretty understandable such as your driving record, but other factors are less obvious like your vehicle usage or your financial responsibility.

The items below are some of the most common factors used by insurance companies to determine your rates.

Compare prices but buy from a neighborhood Camarillo auto insurance agent

A small number of people still prefer to talk to an insurance agent and that is just fine! One of the best bonuses of price shopping on the web is that you can obtain lower rates but also keep your business local.

After filling out this quick form, the quote information is instantly submitted to insurance agents in Camarillo who will give competitive quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies due to the fact that quote results will go instantly to you. You can find lower rates without having to waste a lot of time. If for some reason you want to get a rate quote from one company in particular, just navigate to their website to submit a rate quote request.

Picking an insurer shouldn't rely on just a low price. Agents should be asked these questions:

If you would like to find a good Camarillo insurance agent, it's helpful to know the different agency structures to choose from. Insurance agents in Camarillo can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents of this type can only write with one company and examples are State Farm or Allstate. These agents are not able to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually well trained on their products and sales techniques which helps them compete with independent agents. Drivers often use the same exclusive agent mostly because of the brand name instead of buying on price only.

Independent Agencies or Brokers

These agents can quote rates with many companies and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, you need to compare quotes from a couple of independent agencies to have the most options to choose from. Most also write with smaller mutual companies who may have lower rates.

If you get reasonable responses to your questions and a low price estimate, chances are good that you have found an auto insurance agent that meets the criteria to service your policy.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Camarillo, paying for car insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car outweigh the cost, especially when you need to use it. As of last year, the average driver in California is wasting up to $865 each year so you should quote rates at every policy renewal to ensure rates are inline.

Insurance losses by coverage

Is your vehicle a claim risk? The following claim statistics show the highest and lowest vehicle makes and models for the probability of filing claims for each type of coverage listed.

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Nissan Sentra
Ford F-250 SuperCrew Dodge Charger
Land Rover Range Rover Sport Kia Forte
Ford Expedition Chrysler 200
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer

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

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Porsche Panamera GTS
Nissan Xterra Bentley Continental GTC
Chevy Spark Audi S7
Ford F-350 Maserati Quattroporte
GMC Sierra 2500 BMW M6
Volvo V60 Bentley Continental GT

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

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Maserati Granturismo
Nissan Xterra Audi RS7
Smart ForTwo Nissan GT-R
Ford Edge Maserati Ghibli
GMC Canyon Ferrari 458
Ford F-150 SuperCrew BMW M6

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

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chevrolet Sonic
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Chrysler 200
Acura MDX Mitsubishi Lancer
Volvo XC60 Mitsubishi Mirage
Audi A6 Kia Optima

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

Cheaper car insurance is a realistic goal

Cost effective car insurance is available online and from local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer online price quotes and these smaller companies only sell through independent insurance agencies.

We just showed you some good ideas how you can compare car insurance rates in Camarillo. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive Camarillo auto insurance quotes. You may even discover the lowest rates come from some of the lesser-known companies.

Consumers switch companies for many reasons like high rates after DUI convictions, extreme rates for teen drivers, high prices or even questionable increases in premium. It doesn't matter what your reason, switching companies is actually quite simple.

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