Did a good deal turn out to be overpriced auto insurance? Believe me, many Santa Maria drivers have buyer's remorse.

Inconceivable but true, the vast majority of drivers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never taken the time to shop around. The average driver in America could save themselves as much as $859 a year by just shopping around, but they won't spend time to go online and compare rates.

Lots of insurers contend for your business, so it's not easy to compare every insurance company and uncover the absolute best price available on auto insurance.

If you have a policy now, you will be able to get lower rates using the ideas covered in this article. Choosing the best rates in Santa Maria can initially seem challenging. But California car owners must know how companies price insurance differently and use it to your advantage.

Santa Maria insurance discounts

Insurance is neither fun to buy or cheap, but there could be available discounts to help bring down the price. Some of these discounts will be visible at quote time, but a few need to be specifically requested prior to receiving the credit.Discount insurance

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it's just not the way it works.

A few companies that may include some of the discounts shown above possibly include:

It's a good idea to ask all the companies to apply every possible discount. Some of the discounts discussed earlier may not be offered in Santa Maria. To see a list of insurance companies who offer free insurance quotes in Santa Maria, click this link.

How to shop insurance online

It's important to know that comparing more prices gives you a better chance of getting the best offered rates.

The companies shown below are our best choices to provide free rate quotes in California. To buy cheap auto insurance in California, we suggest you get rate quotes from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Santa Maria
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,408 $704 $117
Dodge Grand Caravan CV $1,476 $738 $123
Dodge Ram Crew Cab TRX 2WD $1,280 $640 $107
Ford Escape XLS 2WD $1,028 $514 $86
Ford F-150 FX4 4WD $1,256 $628 $105
Ford Focus SE 4-Dr Sedan $1,158 $579 $97
GMC Sierra SLT Crew Cab 2WD $1,490 $745 $124
Honda Accord EX 4-Dr Sedan $1,118 $559 $93
Honda CR-V EX-L 2WD $1,148 $574 $96
Honda Civic EX 4-Dr Sedan $1,550 $775 $129
Honda Odyssey Touring $1,406 $703 $117
Mazda 3 I Touring 4-Dr Sedan $1,552 $776 $129
Nissan Altima 2.5 4-Dr Sedan $1,372 $686 $114
Nissan Rogue S 2WD $1,816 $908 $151
Toyota Camry LE $1,348 $674 $112
Toyota Corolla S $1,230 $615 $103
Toyota Tacoma Double Cab 4WD $1,338 $669 $112
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in vehicle location which can decrease or increase insurance rates greatly.

Physical damage deductible comparison

The chart below illustrates how your choice of deductibles and can change Ford Focus premium costs for different age groups. The prices are based on a single male driver, full coverage, and no policy discounts are applied.

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

Learn how to lower your insurance prices

Part of the insurance buying process is learning the rating factors that play a part in calculating the rates you pay for insurance. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower rates. Many things are part of the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but other criteria are less obvious such as whether you are married and annual miles driven.

The following are a few of the "ingredients" companies use to determine premiums.

Neighborhood Santa Maria auto insurance agents

Certain consumers would rather talk to an insurance agent and that can be a great decision A good thing about getting online price quotes is you may find lower rates and still buy from a local agent.

Insurance agency in Santa MariaBy using this simple form, the quote information is transmitted to local insurance agents who want to provide quotes for your coverage. There is no reason to do any legwork because prices are sent immediately to you. You can find the lowest rates without requiring a lot of work. If you need to compare rates from a particular provider, don't hesitate to visit that company's website to submit a rate quote request.

Choosing an provider should depend on more than just a cheap price quote. Some important questions to ask are:

Compare rates from both independent and exclusive auto insurance agents

If you need to find a reputable insurance agent or broker, it's important to understand the different types of agencies and how they work. Insurance policy providers may be either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

These agents write business for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company's prices so always compare other rates. Exclusive agencies are very knowledgeable on the products they sell and that can be a competitive advantage.

Independent Insurance Agents

Independent agents can sell policies from many different companies and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house which is easy for the insured. When comparing insurance rates, you need to compare prices from several independent insurance agents for maximum quote selection.

Upon receiving acceptable answers to these questions as well as a affordable price, most likely you have located an auto insurance agent that can be relied on to adequately provide insurance.

Here's why car insurance is not optional

Despite the high cost, insuring your vehicle is a good idea for several reasons.

The benefits of having insurance outweigh the cost, especially if you ever need it. Today the average American driver overpays as much as $700 annually so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

Lower rates by being persistent

We just presented a lot of tips how to get a better price on auto insurance in Santa Maria. The key thing to remember is the more times you quote, the better likelihood of getting affordable Santa Maria auto insurance quotes. You may even be surprised to find that the lowest premium rates come from a smaller regional carrier. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

As you quote Santa Maria auto insurance, never reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

More tips and info about auto insurance can be found at these sites: