Do you want an efficient way to compare more competitive insurance rates in Los Altos, CA? Los Altos buyers have options when searching for affordable car insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons.

There are more efficient ways to buy insurance so we're going to tell you the absolute fastest way to price shop coverage for a new or used and get the lowest possible price from both online companies and Los Altos agents.

It's a great practice to price shop coverage yearly due to the fact that insurance prices change frequently. Even if you think you had the best price on insurance a few years ago a different company probably has better rates today. Ignore everything you know about insurance because I'm going to teach you the fastest way to properly buy coverages and cut your premium.

Car insurance providers offering low-cost rate quotes in California

The companies in the list below provide quotes in Los Altos, CA. If you want the best auto insurance in California, we recommend you visit several of them to get the most affordable price.

Insurance Estimates for Popular Vehicles in Los Altos
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,422 $711 $119
Chevrolet Impala LS $1,298 $649 $108
Chevrolet Silverado LTZ Crew Cab 2WD $1,978 $989 $165
Dodge Ram Crew Cab SLT 2WD $1,522 $761 $127
Ford Escape Limited 4WD $1,252 $626 $104
Ford F-150 Lariat King Ranch 4WD $2,120 $1,060 $177
Ford Focus SES 4-Dr Sedan $1,438 $719 $120
Honda Accord LX-P 4-Dr Sedan $986 $493 $82
Honda CR-V EX 4WD $990 $495 $83
Honda Civic SI 2-Dr Coupe $1,986 $993 $166
Honda Odyssey EX-L W/Navigation $1,080 $540 $90
Hyundai Sonata SE 4-Dr Sedan $2,128 $1,064 $177
Nissan Altima Hybrid 4-Dr Sedan $1,904 $952 $159
Toyota Camry Hybrid $1,936 $968 $161
Toyota Corolla XRS $1,324 $662 $110
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in your specific Los Altos location which can modify premiums significantly.

Age, gender, and differences in insurance rates

The information below shows the comparison of insurance costs for male and female drivers in Los Altos. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in on a Ford Focus SEL.

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

Save money by applying these seven discounts

Some providers do not list all their discounts in a way that's easy to find, so the list below details some of the more common and the harder-to-find credits available to bring down your rates.Discount insurance

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. Even though it appears you can get free auto insurance, it just doesn't work that way.

Large insurance companies and some of the discounts can be read below.

Before you buy a policy, ask every insurance company which discounts you may be entitled to. Savings may not apply in your area. If you would like to see a list of insurance companies who offer insurance discounts in California, click here to view.

You are unique and your car insurance should be too

When quoting and choosing coverage, there is no perfect coverage plan. Everyone's situation is unique and your car insurance should unique, too.Safe vehicles cost less to insure Here are some questions about coverages that may help highlight if you would benefit from professional advice.

If it's difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Exclusive versus independent insurance agencies

Many drivers just prefer to get professional advice from a licensed agent and doing that can be a smart decision Professional agents are trained risk managers and help file insurance claims. One of the great benefits of comparing rates online is that you can find the best rates and still have a local agent. Buying from neighborhood agents is important especially in Los Altos.

Insurance agents in Los AltosOnce you complete this simple form, the coverage information is emailed to insurance agents in Los Altos who will give competitive quotes to get your business. You won't even need to search for any insurance agencies because prices are sent immediately to you. If you need to get a comparison quote from one company in particular, don't hesitate to jump over to their website and give them your coverage information.

Different types of car insurance agents in Los Altos

If you want a good Los Altos insurance agent, you should know the different agency structures that differ in how they can insure your vehicles. Auto insurance agencies can be categorized as either independent (non-exclusive) or exclusive. Either can write auto insurance policies, but it's worth learning why they differ since it can impact your agent selection.

Independent Auto Insurance Agencies

These type of agents are not employed by one company so they can insure your vehicles with many different companies and get you the best rates possible. If premiums increase, your agent can switch companies and you won't have to switch agencies.

When searching for an agent, you definitely need to contact several independent insurance agents so that you have a good selection of quotes to compare. Most also write with different regional companies that many times have cheaper rates.

Exclusive Agencies

Agents that elect to be exclusive normally can only provide a single company's rates like AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to purchase coverage from exclusives partially due to the prominence of the brand instead of buying on price only.

Deciding on a insurance agent shouldn't rely on just a cheap price. These questions are important to ask:

Will you really save $422 on insurance?

California drivers constantly see and hear ads for the lowest price insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all say the same thing about savings just by switching your policy.

How can each company say the same thing?

All companies have underwriting criteria for the type of driver that will add to their bottom line. A good example of a profitable customer might be described as over the age of 40, has never had a policy lapse, and has a high credit rating. Anybody that hits that "sweet spot" will qualify for the lowest rates in Los Altos and will also save some money.

Potential insureds who don't qualify for this ideal profile will get higher prices and business not being written. The wording the ads use say "customers who switch" not "everyone who quotes" can save as much as they claim. That's the way insurance companies can confidently advertise the way they do.

Each company has different criteria, so you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will have better rates than you're paying now.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Comprehensive insurance - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hail damage, hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, ambulance fees, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage - Collision coverage will pay to fix damage to your vehicle from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers - Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants as well as damage to your vehicle.

Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy's liability coverage.

Auto liability - This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, pain and suffering, medical services, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.

Insurance claim statistics

What vehicles have the most claims? The data below list the highest and lowest makes and models for the probability of having large claims.

Lowest and Highest Comprehensive Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Chevy Silverado 2500 Maserati Quattroporte
Smart ForTwo Bentley Continental GTC
Chevy Spark BMW M6
Nissan Xterra BMW M6
Volvo V60 Maserati Granturismo
Infiniti QX50 Mercedes-Benz S Class

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

Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Corvette Nissan Sentra
Ford F-350 SuperCrew Hyundai Accent
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark

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

Collision Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Audi RS7
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Ferrari 458
Mini Cooper BMW 6 Series
GMC Canyon BMW M6
Nissan Xterra Bentley Continental Flying Spur

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

Auto Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Subaru Forester Chevrolet Impala
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Cruze
Acura MDX Kia Optima
Chevrolet Corvette Dodge Charger
Subaru Outback Hyndai Accent

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

The most affordable rates come from being thorough

In this article, we presented quite a bit of information on how to lower your car insurance premium rates in Los Altos. The key concept to understand is the more price quotes you have, the better chance you'll have of finding low cost Los Altos car insurance quotes. You may even discover the best premium rates are with the smaller companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance companies do not offer rates over the internet and usually these small, regional companies prefer to sell through independent agents. Cheap car insurance in Los Altos can be bought on the web and also from your neighborhood Los Altos agents, so you need to compare both so you have a total pricing picture.

More information can be found below: