Has it been a year or more since you last compared quotes for low-cost auto insurance rates in Costa Mesa, CA? If you are a novice to online auto insurance shopping, you can easily be confused by the vast assortment of companies that all say they have the best rates.

A recent auto insurance study discovered that the vast majority of auto insurance customers have bought auto insurance from the same company for at least the last four years, and roughly 40% of drivers have never even compared rates from other companies. Many drivers in California can save hundreds of dollars each year just by shopping around, but they don't believe the amount of money they would save if they switch to a new company.

Consumers should take time to do price comparisons at least once a year because auto insurance rates are adjusted regularly by insurance companies. If you had the best deal on auto insurance at your last renewal you may be paying too much now. There is a lot of wrong information about auto insurance online, but in just a couple of minutes you can learn some good information on how to lower your auto insurance bill.

Save money by taking advantage of discounts

Car insurance is not an enjoyable expense, but there's a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but occasionally some discounts must be manually applied before you will receive the discount.Cheaper car insurance with discounts

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, that's just not realistic.

The best car insurance companies and the discounts they provide are:

Before purchasing a policy, check with all the companies how you can save money. Some of the discounts discussed earlier may not be available in Costa Mesa. For a list of companies that have a full spectrum of discounts in California, click here.

Which car insurance is cheapest in Costa Mesa, California?

Most of the larger companies allow you to get prices online. Doing online quotes is fairly straightforward as you simply type in your required coverages on the page. When the form is submitted, their rating system automatically orders reports for credit and driving violations and generates a price.

Being able to quote online simplifies rate comparisons, and it's absolutely necessary to perform this step if you want to find the cheapest car insurance rates.

In order to compare rates using this form now, compare rates now from the companies shown below. If you currently have coverage, we recommend you input the coverage information exactly as they are listed on your policy. Using the same limits helps guarantee you will have a rate comparison for exact coverage.

The auto insurance companies shown below offer comparison quotes in Costa Mesa, CA. If multiple companies are listed, it's a good idea that you get prices from several of them to get the lowest price.

Insurance Costs for Popular Vehicles in Costa Mesa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $2,022 $1,011 $169
Chevrolet Silverado LT Extended Cab 4WD $1,518 $759 $127
Dodge Ram Quad Cab ST 4WD $1,436 $718 $120
Ford Edge Limited 2WD $1,526 $763 $127
Ford Escape XLT 2WD $1,228 $614 $102
Ford F-150 Lariat Crew Cab 2WD $1,566 $783 $131
Ford Focus SES 4-Dr Sedan $1,206 $603 $101
Ford Fusion SEL 4-Dr Sedan $1,592 $796 $133
Honda Accord EX 2-Dr Coupe $1,750 $875 $146
Honda CR-V EX 4WD $1,532 $766 $128
Honda Civic SI 2-Dr Coupe $1,714 $857 $143
Nissan Altima 3.5 SR 4-Dr Sedan $1,226 $613 $102
Toyota Camry Hybrid $1,978 $989 $165
Toyota Corolla XRS $1,690 $845 $141
Toyota Prius $1,072 $536 $89
Toyota RAV4 Limited 2WD $1,172 $586 $98
Volkswagen Jetta SE 4-Dr Sedan $1,916 $958 $160
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can affect rates noticeably.

An analysis of deductible level

The example below demonstrates how choosing different deductibles and can impact Nissan Altima insurance costs for different ages of insureds. The data is based on a single female driver, full coverage, and no additional discounts are factored in.

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

Lower the price of car insurance with these tips

When buying car insurance it's important to understand the factors that are used to determine your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that can help you get lower rates.

The following are just a few of the factors used by companies to determine your prices.

Auto insurance agents near you

Some people still prefer to get professional advice from a licensed agent and often times that is recommended One of the great benefits of comparing insurance prices online is the fact that you can find cheap car insurance quotes and still buy from a local agent.

After filling out this form (opens in new window), your insurance data is emailed to insurance agents in Costa Mesa that can give you free Costa Mesa car insurance quotes for your insurance coverage. You never need to contact any agents because prices are sent immediately to your email address. It's the lowest rates AND a local agent. If you need to compare prices from a specific company, just go to their quote page and fill out the quote form the provide.

Choosing an insurance company should depend on more than just the quoted price. Agents should be asked these questions:

If you want a reliable insurance agent, you must know there are a couple types of agencies from which to choose. Agents are considered either exclusive or independent.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. These agents are not able to provide prices from multiple companies so keep that in mind. Exclusive agents are usually well trained on their company's products which helps offset the inability to provide other markets. Drivers often buy from the same agent for years primarily because of the prominent brand name rather than low price.

Independent Agencies or Brokers

Independent agents are appointed with more than one company so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company which is easy for the insured. If you need cheaper car insurance rates, it's recommended you include price quotes from several independent insurance agents for maximum quote selection. They often place coverage with lesser-known insurance companies who may have lower rates.

Car insurance is not optional but you don't have to overpay

Even though rates can get expensive, maintaining insurance may be mandatory for several reasons.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying over $869 every year so it's very important to do a rate comparison at least once a year to help ensure money is not being wasted.

Affordable car insurance premiums are out there

We just presented some good ideas how to save on car insurance in Costa Mesa. It's most important to understand that the more quotes you get, the better likelihood of getting cheap Costa Mesa car insurance quotes. You may even discover the lowest prices come from a lesser-known regional company.

People leave their current company for a number of reasons such as not issuing a premium refund, delays in paying claims, unfair underwriting practices and even questionable increases in premium. It doesn't matter what your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

When buying insurance coverage, it's a bad idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at the best price and still be able to protect your assets.

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