Are you tired of trying to find the cheapest insurance rates in Woodland, CA? Are you at wits end from scraping nickels together to pay your insurance bill each month? You have the same problem as many other California drivers.
Unbelievable but true, most insurance customers kept their coverage with the same insurance company for more than four years, and nearly half have never compared rates to find lower-cost insurance. California insurance shoppers could save an average of nearly $500 each year, but they don't believe how much savings they would realize if they replace their high priced policy.
With so many different company options, it can be hard to pick the most affordable insurer.
It's a good habit to compare premium rates quite often since prices trend upward over time. Just because you had the best deal on insurance a few years ago you may be paying too much now. Ignore everything you know about insurance because we're going to show you the fastest way to reduce your cost while increasing coverage.
Buying the cheapest auto insurance in Woodland is really not that difficult. If you are insured now, you will be able to cut your premiums using these methods. Nevertheless, California car owners can benefit from knowing the way insurance companies calculate your auto insurance rates because it varies considerably.
The fastest way that we advise to compare policy rates is to take advantage of the fact almost all companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide a little information like deductibles desired, what your job is, if the vehicle is leased, and whether you drive to work or school. Your insurance information is then submitted to multiple auto insurance providers and you will get price comparisons instantly to find the best rate.
To get price quotes for your car now, click here and find out if lower rates are available in Woodland.
The car insurance companies shown below provide price quotes in Woodland, CA. If multiple companies are listed, we suggest you visit as many as you can to get the cheapest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,840||$920||$153|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,744||$872||$145|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,710||$855||$143|
|Ford Edge SE AWD||$1,136||$568||$95|
|Ford Escape XLS 2WD||$1,322||$661||$110|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$1,598||$799||$133|
|Ford Focus SE 4-Dr Sedan||$1,364||$682||$114|
|GMC Sierra SLE Crew Cab 4WD||$1,648||$824||$137|
|Honda Accord LX-P 4-Dr Sedan||$1,102||$551||$92|
|Honda CR-V EX 2WD||$868||$434||$72|
|Honda Civic DX 4-Dr Sedan||$1,462||$731||$122|
|Hyundai Elantra SE 4-Dr Sedan||$1,080||$540||$90|
|Kia Optima EX||$1,306||$653||$109|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,452||$726||$121|
|Toyota Camry XLE||$1,648||$824||$137|
|Toyota Corolla LE||$1,638||$819||$137|
|Toyota RAV4 Limited 4WD||$1,396||$698||$116|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,018||$509||$85|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in Woodland location which can modify auto insurance rates substantially.
Premiums by gender and age
The example below shows the difference between auto insurance rates for male and female drivers in Windsor. The premium estimates are based on no violations or claims, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium on a Chevrolet Malibu LS.
Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Price comparison of only insuring for liability
The illustration below shows the difference between Toyota Corolla insurance costs with full coverage and liability only. The data assumes no violations or claims, $1,000 deductibles, married male driver, and no discounts are applied to the premium.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
When to drop comprehensive and collision
There is no set guideline of when to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Toyota Corolla settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying over $500 a year to have full coverage, then it might be time to buy liability only.
There are a few situations where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Raise deductibles and save
The information below demonstrates how deductibles and can increase or decrease Dodge Ram premium costs for different age categories. The price estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Get affordable rates by applying discounts
Auto insurance companies don't always list every disount available in a way that's easy to find, so below is a list some of the more common and the more hidden auto insurance savings. If they aren't giving you every credit available, it's possible you qualify for a lower rate.
- Telematics Data Discounts - Policyholders that allow driving data submission to analyze when and where they use their vehicle by using a telematics device like Allstate's Drivewise may get a rate reduction if they show good driving skills.
- Discount for Good Grades - A discount for being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.
- Government Employees - Active or retired federal employment could provide a small rate reduction with select insurance companies.
- Discount for Swiching Early - Some auto insurance companies reward drivers for renewing your policy early. This can save 10% or more.
- Drivers Ed for Students - Reduce the cost of insurance for teen drivers by having them take driver's ed class if it's offered in school.
You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you're out of luck.
Companies and some of their more popular discounts are outlined below.
- Farmers Insurance offers discounts for mature driver, switch companies, electronic funds transfer, teen driver, bundle discounts, homeowner, and business and professional.
- Esurance policyholders can earn discounts including defensive driver, anti-theft, safety device, anti-lock brakes, multi-policy, and homeowner.
- State Farm may offer discounts for good driver, Steer Clear safe driver discount, anti-theft, good student, and multiple autos.
- GEICO offers discounts including multi-vehicle, seat belt use, federal employee, multi-policy, anti-lock brakes, and defensive driver.
- Allstate has discounts for auto/life discount, premier discount, senior citizen, 55 and retired, anti-theft, FullPay discount, and good payer.
It's a good idea to ask each company the best way to save money. Some of the earlier mentioned discounts may not be available everywhere.
Four things that affect your rates
Smart consumers have a good feel for some of the things that are used to determine your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower auto insurance prices.
- Performance influences insurance rates - The type of car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in determining your rates. The lowest performance passenger vehicles usually have the lowest premiums, but your final cost has many other factors.
- Car and home together may be cheaper - Lots of auto insurance companies allow a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, it's always a smart idea to compare other company rates to guarantee you are still saving the most. Drivers may still save even more than the discount by splitting coverages up.
- Tickets increase premiums - Having a clean driving record has a huge affect on how much you pay. Drivers who don't get tickets get better rates than people who have multiple driving citations. Having just one citation can increase the cost of insurance substantially. Drivers who have serious violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state's licensing department in order to legally drive.
- Add-on coverages that aren't used - There are quite a few extra coverages that sound like a good idea at the time if you don't pay attention. Coverage for things like coverage for rental cars, high-cost glass coverage, and extra equipment coverage may be wasting your money. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
Is there deception in advertising?
Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. All the ads have a common claim of big savings if you just switch to them. Is it even possible that every company can make almost identical claims? It's all in the numbers.
Companies have an ideal profile for the type of customer that will most likely be profitable. A good example of a driver they prefer may be a married female, insures multiple vehicles, and the vehicle is rated for pleasure use. A customer who fits that profile will get low premium rates and have a good chance to pay quite a bit less when switching companies.
Consumers who are not a match for the requirements must pay more expensive rates which results in the prospect going elsewhere. The trick is to say "drivers that switch" not "all people who quote" will save that much if they switch. That's why insurance companies can make it sound like they have such great premium rates. This illustrates why drivers must do a price quote comparison at every renewal. Because you never know which company will give you the biggest savings.
A conclusion for your auto insurance search
Cheap auto insurance in Woodland is definitely available on the web and from local agencies, so get free Woodland car insurance quotes from both of them to get a complete price analysis. Some auto insurance companies may not have the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents.
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time they didn't purchase enough coverage. Your objective should be to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
In this article, we presented quite a bit of information on how to shop for auto insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest premium rates are with some of the lesser-known companies. They often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.
For more information, take a look at the articles below:
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest California Car Insurance for Real Estate Agents? (FAQ)
- What Auto Insurance is Cheapest for a Mazda CX-7 in California? (FAQ)
- Who Has the Cheapest California Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has the Cheapest California Car Insurance for Uber Drivers? (FAQ)
- How Much are California Auto Insurance Rates for a Learners Permit? (FAQ)
- What is the Cheapest Car Insurance in San Francisco, California? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)
- Collision Coverage (Liberty Mutual)