If you are a novice to online insurance shopping, it's easy to get bewildered by the large number of insurers that all promise to save you money.

A recent study showed that over 70% of California drivers have remained with the same insurance company for a minimum of four years, and approximately 40% of consumers have never even shopped around for cheaper coverage. American insurance shoppers can save as much as $860 each year just by getting comparison quotes, but they don't believe the large savings they would see if they just switched companies.

Shopping around for affordable insurance policy in Santa Clarita is not as hard as you may think. Virtually each driver who has to purchase insurance will most likely be able to cut their insurance bill. But California car owners need to have an understanding of the way companies compete online and apply this information to your search.

Companies offering cheap prices in Santa Clarita, CA

The companies in the list below provide free rate quotes in Santa Clarita, CA. If multiple companies are listed, it's a good idea that you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Santa Clarita
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,408 $704 $117
Chevrolet Equinox LS 2WD $1,566 $783 $131
Chevrolet Silverado LTZ Extended Cab 2WD $1,936 $968 $161
Dodge Ram Crew Cab ST 4WD $1,436 $718 $120
Ford Escape Limited 2WD $1,524 $762 $127
Ford F-150 Lariat Crew Cab 4WD $1,728 $864 $144
Ford Focus SE 4-Dr Sedan $1,702 $851 $142
Honda Accord EX 2-Dr Coupe $1,766 $883 $147
Honda CR-V EX 4WD $1,532 $766 $128
Honda Civic LX 2-Dr Coupe $1,616 $808 $135
Hyundai Elantra SE 4-Dr Sedan $1,372 $686 $114
Nissan Altima 3.5 SR 2-Dr Coupe $2,304 $1,152 $192
Toyota Camry Hybrid $1,200 $600 $100
Toyota Corolla S $1,422 $711 $119
Toyota Tacoma Double Cab 4WD $1,404 $702 $117
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in your specific Santa Clarita location which can revise premium rates greatly.

Where to set your deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The tables below sum up the rate fluctuation of buying low and high insurance deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

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

Toyota Camry insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $380 $686 $442 $26 $132 $1,691 $141
Camry SE $380 $810 $442 $26 $132 $1,815 $151
Camry XLE $380 $810 $442 $26 $132 $1,815 $151
Camry Hybrid $430 $810 $500 $30 $150 $1,945 $162
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Toyota Camry insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $210 $362 $442 $26 $132 $1,172 $98
Camry SE $210 $426 $442 $26 $132 $1,236 $103
Camry XLE $210 $426 $442 $26 $132 $1,236 $103
Camry Hybrid $238 $426 $500 $30 $150 $1,344 $112
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific Santa Clarita garaging location which can influence coverage rates significantly.

Based on these figures, using a $100 deductible will cost in the ballpark of $47 more each month or $564 a year than quoting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 19 months between claims, you would save money if you decide on a higher deductible. The numbers below show how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $151
Average monthly premium for $1,000 deductibles (subtract): - $104
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Cheaper rates by applying these seven discounts

Car insurance is not inexpensive, but companies offer discounts to reduce the price significantly. Many of these discounts will be applied automatically when you quote, but occasionally some discounts must be specifically requested prior to getting the savings. If you do not double check each discount available, you are not getting the best rate possible.Cheaper car insurance with discounts

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

Larger car insurance companies and some of the premium reductions they offer are included below.

It's a good idea to ask each company or agent which discounts you qualify for. All car insurance discounts might not apply in your state.

When should I talk to an insurance agent?

A small number of people still prefer to get professional advice from a licensed agent and doing that can be a smart decision One of the great benefits of comparing rates online is that you can find cheap insurance rates and still have an agent to talk to. Supporting local insurance agents is definitely important in Santa Clarita.

Insurance agency in Santa ClaritaBy using this short form, your information is transmitted to companies in Santa Clarita who will return price quotes for your insurance coverage. You won't need to find an agent on your own because prices are sent instantly to you. You can find the lowest rates without having to waste a lot of time. If you want to get a comparison quote from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.

Finding the right provider requires more thought than just the bottom line cost. These are some questions you should get answers to.

Save $490 a year. For real?

Popular auto insurance providers such as State Farm, Allstate and GEICO regularly use ads on TV and radio. All the companies make an identical promise of big savings if you move your policy. It sounds good, but how can they all offer drivers better rates?

Insurance providers can use profiling for the right customer that will add to their bottom line. An example of a desirable risk could possibly be a mature driver, has few claims, and drives less than 7,500 miles a year. Any new insured that matches those criteria will get low car insurance rates and therefore will save money with a new company.

Insureds who do not meet the ideal profile will see more expensive rates and this results in the prospect going elsewhere. If you pay attention, the ads say "customers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently make those claims.

This illustrates why you really need to compare as many free Santa Clarita auto insurance quotes as you can. It's just too difficult to predict which company will have the best car insurance rates at this point in time.

Car insurance policy coverages

Knowing the specifics of car insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits 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 $5,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, loss of income, medical expenses and medical services. How much coverage you buy is up to you, but you should buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy higher limits.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants and damage to your vehicle.

Because many people carry very low liability coverage limits (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Claim statistics by make and model

What vehicles have the most claims? The tables below show the best and worst vehicle models for the probability of having claims organized by coverage.

Vehicle Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevy Spark Audi S7
Ford F-350 Bentley Continental GT
Infiniti QX50 Maserati Granturismo
Chevy Silverado 2500 Maserati Quattroporte
GMC Sierra 2500 BMW M6
Nissan Leaf Mercedes-Benz S Class

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Overall Losses Highest Overall Losses
GMC Canyon Nissan GT-R
Smart ForTwo Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra BMW M6
Ford F-150 SuperCrew Bently Continental GTC
Ford Edge Maserati Ghibli

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Corvette Chevrolet Spark
Ford Expedition Dodge Charger
Ford F-250 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Chrysler 200
Audi A4 Allroad Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Acura MDX Mitsubishi Lancer
Chevrolet Corvette Chevrolet Impala
Subaru Outback Kia Rio
Subaru Forester Hyndai Accent
Fiat 500 Dodge Charger
Volvo XC60 Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years

One last thing about your coverage

You just read some good ideas how you can find cheaper coverage online. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the best possible price while still protecting your assets.

People switch companies for many reasons like poor customer service, delays in paying claims, delays in responding to claim requests and denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.

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