Are you searching for cheaper auto insurance rates in Hollister, CA? Wish you could get a refund on overpriced auto insurance? Don't feel bad because many Hollister drivers feel the same as you.

Shockingly, a large majority of drivers kept their policy with the same company for well over three years, and virtually 40% of consumers have never compared quotes from other companies. Hollister consumers can save hundreds of dollars each year by just comparing quotes, but they don't understand how simple it is to compare rate quotes online.

Big-name insurance companies like Allstate and Progressive constantly blast consumers with ads and it can be hard to ignore the propaganda and effectively compare rates to find the best deal.

You should take the time to get comparison quotes every six months because auto insurance rates trend upward over time. Even if you think you had the lowest premium rates on auto insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because you're going to get a crash course in the easiest way to save on auto insurance.

Just keep in mind that comparing more rates from different companies increases the chance that you will find a lower rate than you're paying now. Not every company allows you to get online quotes, so you need to compare price quotes on coverage from those companies, too.

The providers in the list below are our best choices to provide price quotes in California. To get the cheapest auto insurance in California, we suggest you click on several of them to get the most affordable price.

Insurance Price Estimates for Popular Vehicles in Hollister
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,500 $750 $125
Chevrolet Silverado LTZ Crew Cab 2WD $1,340 $670 $112
Dodge Grand Caravan Hero $1,142 $571 $95
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,388 $694 $116
Ford Escape Limited 2WD $1,200 $600 $100
Ford F-150 SVT Raptor Super Cab 4WD $1,188 $594 $99
Ford Focus SES 4-Dr Sedan $1,798 $899 $150
GMC Sierra SLE Crew Cab 2WD $1,342 $671 $112
Honda Accord EX 2-Dr Coupe $1,674 $837 $140
Honda CR-V EX 4WD $1,290 $645 $108
Honda Civic EX-L 2-Dr Coupe $1,928 $964 $161
Jeep Wrangler Sport 4WD 2-Dr $1,102 $551 $92
Kia Optima SX $1,388 $694 $116
Nissan Altima 3.5 SR 4-Dr Sedan $1,916 $958 $160
Nissan Rogue SL AWD $1,154 $577 $96
Toyota Camry SE $1,626 $813 $136
Toyota Corolla S $1,102 $551 $92
Toyota RAV4 Limited 4WD $1,186 $593 $99
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in garaging location in Hollister which can impact coverage prices significantly.

Careless drivers pay higher rates

The diagram below illustrates how speeding tickets and at-fault fender-benders can influence Dodge Ram auto insurance costs for different age groups. The data assumes a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Best reasons to buy insurance in California

Despite the high insurance cost in Hollister, paying for insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying over $820 a year so we recommend shopping around once a year at a minimum to ensure rates are inline.

Informed consumers know how to buy insurance more affordably

Many things are used in the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, although some other factors are more obscure like your vehicle usage and annual miles driven. Part of the insurance buying process is learning the rating factors that come into play when calculating your premiums. If you know what determines premiums, this empowers consumers to make smart changes that can earn you lower rates.

Save money with these discounts

Insurance can be prohibitively expensive, but you may find discounts that could help you make your next renewal payment. Most are applied when you get a quote, but a few must be manually applied before you will receive the discount.Cheaper insurance with discounts

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, that's just not realistic. But all discounts will help lower your overall premium however.

To find insurance companies that provide some of the discounts listed above in Hollister, click here to view.

Different people need different insurance coverages

When quoting and comparing coverage online or from an agent for your vehicles, there really is not a one size fits all plan. Everyone's situation is a little different.Safe vehicles cost less to insure

These are some specific questions can help discover if you might need professional guidance.

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Get rate quotes but work with a local neighborhood Hollister car insurance agent

Many drivers would prefer to sit down and talk to an agent and doing so can bring peace of mind One of the benefits of getting free rate quotes online is the fact that you can find cheap auto insurance rates and still choose a local agent.

Insurance agents in HollisterTo find an agent, once you fill out this quick form, the quote information is immediately sent to local insurance agents who can give free rate quotes for your coverage. It simplifies rate comparisons since you won't have to contact an agency as quotes are delivered to your email. It's the lowest rates and a licensed agent to work with. If you wish to get a rate quote from a particular provider, you would need to navigate to their website and give them your coverage information.

Picking a insurance company should depend on more than just a cheap price. Agents should be asked these questions:

If you need to find a reliable agent, you should know the types of agencies that you can choose from. Agents in Hollister may be either exclusive or independent.

Exclusive Auto Insurance Agents

Exclusive insurance agents can only provide one company's prices such as Allstate and State Farm. These agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Independent Agents

Agents of this type are not employed by one company so they can quote policies through many different auto insurance companies and potentially find a lower price. If they find a cheaper price, they simply move the coverage in-house which is easy for the insured.

When comparing rate quotes, we recommend you include price quotes from independent agents to have the best price comparison.

Shop around and save

You just read some good ideas how to shop for car insurance online. The key thing to remember is the more companies you get prices for, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier.

Low-cost car insurance in Hollister can be sourced online as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer internet price quotes and many times these regional carriers only sell through independent insurance agents.

People leave their current company for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, policy non-renewal or questionable increases in premium. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

More tips and info about car insurance is located by following these links: