Purchasing lower-cost quotes on the internet can be intimidating for consumers new to quoting and comparing rates and buying insurance on the web. With so many insurance agents and companies in the marketplace, how are consumers expected to possibly compare every company in order to find better insurance prices?

It's astonishing, but the vast majority of consumers in California renewed their policy with the same company for more than four years, and nearly half have never compared rates with other companies. American insurance shoppers could pocket up to $860 a year just by comparing rates, but they assume it's a waste of time to compare rate quotes.

Just remember that comparing a wide range of rates will improve the odds of getting more affordable insurance.

The companies in the list below provide price comparisons in Visalia, CA. If you want cheap auto insurance in California, we suggest you get rate quotes from several of them to find the lowest car insurance rates.

Insurance Rates for Popular Vehicles in Visalia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,202 $601 $100
Chevrolet Silverado LT Extended Cab 4WD $1,322 $661 $110
Dodge Ram Quad Cab Laramie 2WD $1,630 $815 $136
Ford Escape Limited 4WD $1,428 $714 $119
Ford F-150 Lariat Crew Cab 2WD $1,766 $883 $147
Ford Focus SEL 4-Dr Sedan $1,974 $987 $165
Ford Fusion SEL 4-Dr Sedan $1,648 $824 $137
Honda Accord EX-L 4-Dr Sedan $1,370 $685 $114
Honda CR-V LX 4WD $1,428 $714 $119
Honda Civic GX 4-Dr Sedan $1,474 $737 $123
Hyundai Elantra GLS Touring Station Wagon $1,482 $741 $124
Jeep Grand Cherokee Laredo 4WD $1,896 $948 $158
Nissan Altima 2.5 S 2-Dr Coupe $1,796 $898 $150
Nissan Rogue SL 2WD $1,404 $702 $117
Toyota Camry XLE $1,874 $937 $156
Toyota Corolla XRS $1,258 $629 $105
Toyota Tacoma Double Cab 4WD $1,338 $669 $112
Volkswagen Jetta 2.0T Station Wagon $1,340 $670 $112
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific location which can decrease or increase rates considerably.

Policy deductibles

When shopping for auto insurance, a common question is how high should your deductibles be. The comparison tables below may help you to understand the rate differences between low and high policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

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

Ford Escape insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLS 4WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLT 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape Limited 2WD $342 $472 $376 $22 $112 $1,349 $112
Escape XLT 4WD $342 $472 $376 $22 $112 $1,349 $112
Escape Limited 4WD $342 $576 $376 $22 $112 $1,453 $121
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Ford Escape insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $184 $298 $376 $22 $112 $992 $83
Escape XLS 4WD $184 $298 $376 $22 $112 $992 $83
Escape XLT 2WD $184 $298 $376 $22 $112 $992 $83
Escape Limited 2WD $210 $298 $376 $22 $112 $1,018 $85
Escape XLT 4WD $210 $298 $376 $22 $112 $1,018 $85
Escape Limited 4WD $210 $362 $376 $22 $112 $1,082 $90
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can raise or lower rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $27 more each month or $324 a year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 28 months between claims, you would probably be better off if you elect the higher deductible.

Discounts for lower Visalia auto insurance rates

Some insurers don't always publicize all available discounts in an easy-to-find place, so the next list breaks down a few of the more common and the more hidden credits available to lower your premiums when you buy Visalia car insurance online.Auto insurance discounts

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think it's possible to get free car insurance, companies don't profit that way.

A few of the larger companies and a selection of discounts include:

Before buying, ask every company which credits you are entitled to. Some credits might not be available to policyholders in Visalia. If you would like to choose from a list of providers who offer auto insurance discounts in California, click here to view.

Buying from car insurance agents

Many people still prefer to talk to an insurance agent and doing so can bring peace of mind A good thing about comparing insurance prices online is that you can obtain lower rates but also keep your business local. Putting coverage with local insurance agencies is especially important in Visalia.

Visalia insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to agents in your area that give free quotes for your car insurance coverage. You never need to search for an agent since price quotes are sent to you directly. You can find lower rates and an insurance agent to talk to. If for some reason you want to compare prices from a specific insurance company, feel free to jump over to their website and submit a quote form there.

When finding a reputable insurance agent or broker, it's important to understand the types of insurance agents and how they are slightly different. Car insurance agencies can be classified as either independent agents or exclusive agents depending on their employer.

Independent Agents

Agents in the independent channel are not employed by one company and that allows them to write policies with many different companies and find the cheapest rate. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. If you need cheaper car insurance rates, we recommend you compare prices from independent agents to have the most options to choose from. They often place coverage with additional companies that you may not be familiar with which may have better rates.

Exclusive Insurance Agencies

These type of agents can only provide pricing for a single company like State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company's products which helps them sell on service rather than price. Consumers often buy insurance from these agents primarily because of loyalty to the company and the convenience of having all coverages with one company.

Choosing the best insurance agent needs to be determined by more than just a cheap price quote. These are some questions you should get answers to.

Your auto insurance coverage should be tailored to you

Keep in mind that when it comes to choosing the right insurance coverage, there isn't really a "best" method to buy coverage. Your situation is unique.Higher deductibles save money

For instance, these questions might help in determining whether you would benefit from an agent's advice.

If you can't answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Good decisions result in lower prices

When buying auto insurance it's important to understand the different types of things that go into determining the rates you pay for auto insurance. When you understand what influences your rates, this allows you to make good choices that could help you find lower rates. Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but others are less obvious like where you live or how financially stable you are.

The factors shown below are some of the most common factors used by your company to calculate your premiums.

Three reasons to not skimp on car insurance

Despite the high insurance cost in Visalia, insurance is required in California but also provides important benefits.

The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in California is overpaying more than $850 per year so compare rate quotes each time the policy renews to help ensure money is not being wasted.

Car insurance claim information

Which vehicles rank well for chances of having claims? The following tables show the worst and best vehicle models for the probability of having to file claims for each type of coverage.

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 2500 Nissan Sentra
Ford F-250 SuperCrew Nissan Versa
Chevrolet Silverado 3500 Dodge Charger
Ford F-350 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Kia Forte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab Maserati Ghibli
Jeep Wrangler Audi RS7
Chevrolet Colorado Bentley Continental Flying Spur
Ford Edge BMW 6 Series
GMC Canyon Bently Continental GT
Ford F-150 SuperCrew Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Mercedes-Benz S Class
Chevy Silverado 2500 BMW M6
Nissan Xterra Bentley Continental GT
Ford F-350 Bentley Continental GTC
Smart ForTwo BMW M6
Volvo V60 Porsche Panamera GTS

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Chevrolet Sonic
Subaru Forester Dodge Charger
Chevrolet Corvette Mitsubishi Mirage
Volvo XC60 Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Affordable insurance rates are out there

In this article, we covered many ideas to shop for insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from an unexpected company.

When you buy Visalia car insurance online, make sure you don't buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Insureds switch companies for many reasons like high prices, extreme rates for teen drivers, lack of trust in their agent and being labeled a high risk driver. No matter why you want to switch, finding a great new company can be easier than you think.

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