Perplexed by the sheer number of car insurance choices in El Cajon? Many other people are too. California drivers have such a large number of options that it can easily become a big hassle to find the perfect company for you. Everyone knows El Cajon is a great city to live in, but expensive premiums for car insurance can make it hard for many residents to meet other financial obligations.
Unbelievably, almost 70% of drivers have purchased from the same company for more than four years, and roughly 40% of drivers have never quoted rates to find lower-cost coverage. California drivers could save roughly 35% every year just by getting comparison quotes, but they just assume it's a time-consuming process to find lower-cost rates by getting comparison quotes.
It's a good idea to quote other rates quite often because insurance prices trend upward over time. Even if you think you had the lowest rates on car insurance last year you will most likely find a better rate quote today. Block out anything you think you know about car insurance because we're going to demonstrate the best methods to buy cheaper car insurance.
Just keep in mind that quoting more helps improve the odds of finding more affordable insurance. Some companies don't provide rate quotes online, so it's recommended that you also compare price quotes from those companies as well.
The companies shown below have been selected to offer quotes in California. If your goal is to find cheap auto insurance in California, we suggest you compare several of them to find the cheapest car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT AWD||$1,304||$652||$109|
|Chevrolet Silverado LS Extended Cab 4WD||$1,388||$694||$116|
|Dodge Ram Crew Cab ST 4WD||$1,450||$725||$121|
|Ford Escape Limited 4WD||$1,100||$550||$92|
|Ford Explorer Eddie Bauer 4WD||$1,366||$683||$114|
|Ford F-150 FX2 2WD||$1,366||$683||$114|
|Ford Focus SES 2-Dr Coupe||$1,700||$850||$142|
|Ford Fusion S 4-Dr Sedan||$1,342||$671||$112|
|Honda Accord LX 4-Dr Sedan||$1,322||$661||$110|
|Honda CR-V LX 4WD||$1,452||$726||$121|
|Honda Civic LX 4-Dr Sedan||$1,562||$781||$130|
|Hyundai Elantra Blue 4-Dr Sedan||$1,512||$756||$126|
|Hyundai Sonata Limited 4-Dr Sedan||$1,340||$670||$112|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,334||$667||$111|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,284||$642||$107|
|Nissan Rogue SL 2WD||$1,302||$651||$109|
|Toyota Camry XLE||$1,464||$732||$122|
|Toyota Corolla S||$1,416||$708||$118|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can influence premiums substantially.
How much more does full coverage cost in El Cajon?
The diagram below illustrates the comparison of Kia Optima insurance prices with full physical damage coverage and with liability coverage only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, single female driver, and no discounts are taken into consideration.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying full coverage
There is no set rule to stop buying full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's pretend your Kia Optima replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your policy deductible. If premiums are more than $600 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.
Where to set your deductibles
One common question asked by El Cajon drivers is what deductibles to buy. The premium rates below can help you understand how much more rates are when you choose different deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$342||$576||$442||$26||$132||$1,543||$129|
|Fusion SE 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Fusion Hybrid 4-Dr Sedan||$386||$780||$552||$32||$166||$1,941||$162|
|Fusion SEL 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Fusion Sport 4-Dr Sedan||$386||$678||$442||$26||$132||$1,689||$141|
|Fusion SEL AWD 4-Dr Sedan||$430||$780||$442||$26||$132||$1,835||$153|
|Fusion Sport AWD 4-Dr Sedan||$430||$780||$442||$26||$132||$1,835||$153|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$210||$362||$442||$26||$132||$1,172||$98|
|Fusion SE 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion Hybrid 4-Dr Sedan||$238||$490||$552||$32||$166||$1,478||$123|
|Fusion SEL 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion Sport 4-Dr Sedan||$238||$426||$442||$26||$132||$1,264||$105|
|Fusion SEL AWD 4-Dr Sedan||$266||$490||$442||$26||$132||$1,356||$113|
|Fusion Sport AWD 4-Dr Sedan||$266||$490||$442||$26||$132||$1,356||$113|
|Get a Quote for Your Vehicle Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can revise insurance rates considerably.
Based on the data above, we can derive that using a $250 deductible will cost you about $37 more each month or $444 annually than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 20 months between claims, you would probably save some money if you choose a higher deductible.
How to calculate if higher deductibles make sense
|Average monthly premium for $250 deductibles:||$146|
|Average monthly premium for $1,000 deductibles (subtract):||- $109|
|Monthly savings from raising deductible:||$37|
|Difference between deductibles ($1,000 - $250):||$750|
|Divide difference by monthly savings:||$750 / $37|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||20 months|
An important sidenote is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. That will necessitate some non-essential savings in the event you need to pay the deductible to have repairs made.
Higher deductibles lower rates
The illustration below illustrates how choosing a deductible and can change Ford Escape insurance costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Car insurance policy discounts you can't miss
Some companies don't list all discounts very well, so the list below details some of the best known and the harder-to-find credits available to bring down your rates.
- Multi-line Discount - Some insurance carriers give a lower car insurance rate if you buy some life insurance too.
- Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
- Anti-theft System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your El Cajon auto insurance quote.
- Discounts for Cautious Drivers - Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
- Safety Restraint Discount - Drivers who require all occupants to use their safety belts may be able to save a few bucks off the medical payments premium.
- Discount for Home Ownership - Owning a house in El Cajon can save you money because it is proof of financial responsibility.
- Braking Control Discount - Cars equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
- Driver's Ed - Teen drivers should successfully complete driver's ed class as it will make them better drivers and lower rates.
- Renewal Discounts - A few car insurance companies give discounts for switching to them prior to your current policy expiring. It could save around 10% when you buy El Cajon auto insurance online.
One last thing about discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way.
To see a list of insurers who offer online car insurance quotes in El Cajon, click here.
Reduce Your Rates with these tips
Lots of things are part of the calculation when premium rates are determined. Most are fairly basic such as your driving history, but other criteria are not as apparent such as your marital status or your vehicle rating. Consumers need to have an understanding of some of the factors that go into determining your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that will entitle you to cheaper rates.
Listed below are some of the items used by your company to calculate premiums.
Where you live plays a part - Residing in a rural area can be a good thing if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims and a lower car theft rate. Urban drivers have to deal with more traffic problems and higher rates of accident claims. More time on the road means a statistically higher chance of an accident.
Cheaper to insure women? - The statistics show that men are more aggressive behind the wheel. This data doesn't prove that females are better drivers. They both are responsible for accidents at a similar rate, but males have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving.
Lower annual miles equals lower premium - The higher the mileage driven annually the more you'll pay to insure your vehicle. Many insurance companies calculate rates based on their usage. Vehicles that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Ask your agent if your insurance coverage is showing the correct usage.
Defend yourself with liability protection - A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are responsible for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.
Premiums increase with policy add-ons - There are many additional extra coverages that you can get tricked into buying but may not be useful. Insurance for things like coverage for rental cars, towing, and extra equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you've never needed them in the past eliminate them to save money.
Get rate quotes but buy from a local El Cajon insurance agency
Some people still prefer to get advice from a local agent and often times that is recommended A nice benefit of comparing rates online is the fact that you can find cheap insurance quotes and still have an agent to talk to. And buying from neighborhood agents is especially important in El Cajon.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is sent to agents in your area who will gladly provide quotes for your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. You can get cheaper insurance rates and an insurance agent to talk to. If for some reason you want to compare prices from a specific insurance company, don't hesitate to visit that company's website and fill out their quote form.
Picking a insurer is decision based upon more than just the premium amount. Before buying a policy in El Cajon, get answers to these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do the coverages you're quoting properly cover your vehicle?
- What company holds the largest book of business for them?
- Which insurance companies are they affiliated with?
- Do they specialize in personal lines auto insurance in El Cajon?
- Are they in the agency full-time?
- Can they provide you with a list of referrals?
Tailor your car insurance coverage to you
Keep in mind that when it comes to choosing your policy for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is unique and your car insurance should be unique as well. For example, these questions can help discover if you would benefit from an agent's advice.
- Does medical payments coverage apply to all occupants?
- Should I put collision coverage on all my vehicles?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered when driving on a suspended license?
- Should I buy full coverage?
- Is extra glass coverage worth it?
- Who does medical payments coverage extend to?
- Is my vehicle covered by my employer's policy when using it for work?
- When can I cancel my policy?
- Am I covered when driving a rental car?
If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Save 15 percent in 15 minutes? Is it for real?
Auto insurance providers like Progressive, Allstate and GEICO seem to constantly run television and radio advertisements. They all advertise the message about savings if you just switch your auto insurance coverage to their company. But how can every company offer drivers better rates?
Different companies quote their cheapest rates for the type of customer that will generate a profit. For example, this type of risk profile should be between the ages of 40 and 55, has a clean driving record, and chooses high deductibles. Anybody that matches those criteria is entitled to the best price and will also save if they switch.
Insureds who may not quite match those criteria will probably have to pay higher premiums with the end result being the customer not buying. If you listen closely, the ads state "customers that switch" not "everybody who quotes" save that much when switching. That's why insurance companies can confidently advertise the way they do.
Different companies use different criteria so you absolutely need to compare price quotes frequently. It is impossible to predict which company will provide you with the cheapest auto insurance in El Cajon.
What is YOUR best insurance company?
You just read a lot of tips how to lower your auto insurance rates in El Cajon. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates are with the least-expected company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like State Farm, GEICO and Nationwide.
Cheaper auto insurance in El Cajon is possible both online as well as from independent agents in El Cajon, so you need to quote El Cajon auto insurance with both to have the best chance of lowering rates. Some auto insurance companies may not provide online quoting and most of the time these small, regional companies only sell through independent insurance agencies.
More detailed auto insurance information can be read in these articles:
- Child Safety FAQ (iihs.org)
- Who Has the Cheapest California Auto Insurance for Drivers with Good Credit? (FAQ)
- How Much are California Auto Insurance Rates for Veterans? (FAQ)
- How Much are Car Insurance Quotes for Seniors in California? (FAQ)
- What is the Cheapest Auto Insurance in Oakland, California? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in California? (FAQ)
- Which Company has the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Auto Insurance Learning Center (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)