Cheapest Auto Insurance in Encinitas

Are you trying to find more affordable car insurance rates in Encinitas, CA? Trying to find low-cost insurance for a car in California could be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare car insurance rates and you need to know the proper way to compare rates for a new or used and obtain the cheapest rates from both online companies and Encinitas agents.

It’s a good idea to compare premium rates periodically because car insurance prices trend upward over time. Despite the fact that you may have had the lowest rate on car insurance at your last renewal there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding car insurance on the web, but in this article, you’re going to get a bunch of ideas how to quit paying high car insurance rates in Encinitas.

Auto insurance companies offering competitive price quotes in California

The providers in the list below have been selected to offer free rate quotes in California. If multiple companies are listed, it’s highly recommended you visit two to three different companies to find the lowest auto insurance rates.

Insurance Cost Estimates for Popular Vehicles in Encinitas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,500 $750 $125
Chevrolet Malibu LTZ $1,450 $725 $121
Chevrolet Silverado LTZ Extended Cab 2WD $1,344 $672 $112
Dodge Grand Caravan Hero $1,296 $648 $108
Dodge Ram Crew Cab SLT 2WD $1,266 $633 $106
Ford Edge SE 2WD $1,088 $544 $91
Ford Escape XLS 4WD $992 $496 $83
Ford F-150 XLT Crew Cab 2WD $1,260 $630 $105
Ford Focus SEL 4-Dr Sedan $1,550 $775 $129
Honda Accord LX 4-Dr Sedan $1,272 $636 $106
Honda CR-V EX-L 2WD $1,164 $582 $97
Honda Civic VP 4-Dr Sedan $1,974 $987 $165
Honda Odyssey Touring $1,252 $626 $104
Hyundai Sonata GLS 4-Dr Sedan $1,302 $651 $109
Kia Optima LX $1,652 $826 $138
Nissan Altima 2.5 S 2-Dr Coupe $1,388 $694 $116
Nissan Rogue SL 2WD $1,598 $799 $133
Toyota Camry SE $1,256 $628 $105
Toyota Corolla XRS $1,406 $703 $117
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in specific location which can influence auto insurance rates noticeably.

Policy deductible comparison

One of the most common car insurance questions is how low should you set your deductibles. The comparison tables below outline the price difference when you choose different coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $380 $686 $500 $30 $150 $1,771 $148
Optima EX $430 $810 $500 $30 $150 $1,945 $162
Optima SX $430 $810 $500 $30 $150 $1,945 $162
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Kia Optima insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $210 $362 $500 $30 $150 $1,252 $104
Optima EX $238 $426 $500 $30 $150 $1,344 $112
Optima SX $238 $426 $500 $30 $150 $1,344 $112
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can impact auto insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $48 more each month or $576 a year than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 19 months between claims, you would come out ahead by going with a higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $157
Average monthly premium for $1,000 deductibles (subtract): – $109
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important note is that a higher deductible level means you pay more out-of-pocket when you have to file a claim. You should have enough disposable income in the event you have to pay more for the deductible.

Cautious drivers save money

The diagram below demonstrates how traffic citations and accidents drive up Dodge Ram auto insurance rates for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance rates by gender in Encinitas

The diagram below shows the difference between annual premium costs for male and female drivers in Encinitas. The price estimates are based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no other discounts are factored in on a GMC Acadia SL.

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

Get cheap costs by understanding these factors

Lots of things are used in the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but others are more transparent like your continuous coverage or how safe your car is.

Listed below are a few of the things auto insurance companies consider when setting your rates.

Drivers with good credit save – A driver’s credit rating is likely to be a major factor in determining what you pay. If your credit history is not that good, you could pay less to insure your vehicle if you clean up your credit. People that have high credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings.

Higher coverage deductibles are cheaper – Comp and collision deductibles state the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, hail damage, and damage from wind. The larger the amount you have to pay, the less your auto insurance will be.

Stay claim-free and lower rates – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Insurance companies in California give better rates to insureds that do not abuse their auto insurance. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

Your employer and auto insurance rates – Did you know your career choice can influence rates? Occupations like lawyers, executives and accountants tend to have higher average rates due to intense work situations and lots of time spent at work. Other occupations like scientists, students and retirees pay lower than average rates.

More traffic means higher claims – Being located in a small town is a good thing when shopping for auto insurance. Drivers who live in large cities have more road rage incidents and higher rates of accident claims. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims.

Affordable Encinitas auto insurance rates with discounts

Car insurance is not cheap, but you may find discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but once in a while a discount must be specifically requested before you will receive the discount.Discount auto insurance

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free auto insurance policy, you won’t be that lucky.

Popular auto insurance companies and a summarized list of policyholder discounts are detailed below.

If you want low cost Encinitas car insurance quotes, ask every company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. To view providers who offer free auto insurance quotes in Encinitas, click this link.

Do I need an insurance agency?

A lot of people still prefer to talk to an insurance agent. Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing insurance online is you may find lower rates and still choose a local agent. Putting coverage with local insurance agents is important especially in Encinitas.

Insurance agency in EncinitasBy using this simple form, your information is emailed to participating agents in Encinitas who will give competitive quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies because quoted prices will be sent instantly to you. If you want to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.

Selecting an insurance company should depend on more than just the bottom line cost. Here are some questions you might want to ask.

How to know if you need help

When it comes to the best insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Everyone’s needs are different and your insurance should be unique as well.Drive safe and save
Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Insurance claim statistics

Which vehicles statistically have the most claims? The statistics below show the best and worst cars and trucks for the probability of having to file claims for each type of coverage.

Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chevrolet Cruze
Audi A6 Chevrolet Sonic
Subaru Outback Mitsubishi Lancer
Subaru Forester Dodge Charger
Mercedes-Benz SL Class Kia Optima
Fiat 500 Hyndai Accent

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

Lowest and Highest Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Kia Forte
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Mitsubishi Lancer
Chevrolet Silverado 2500 Chevrolet Spark
Ford F-350 SuperCrew Hyundai Accent
Ford F-250 SuperCrew Nissan Versa

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

Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mini Cooper BMW 6 Series
Nissan Xterra Bentley Continental Flying Spur
Smart ForTwo Maserati Granturismo
Chevrolet Colorado Bently Continental GT
GMC Canyon BMW M6
Ford F-250 SuperCab Nissan GT-R

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

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 BMW M6
Nissan Leaf Maserati Granturismo
Nissan Xterra Porsche Panamera GTS
Smart ForTwo Audi S7
Infiniti QX50 Bentley Continental GT
Chevy Spark Bentley Continental GTC

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

More comparisons equals cheaper rates

You just read some good ideas how to find cheaper coverage online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company. They often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. The goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

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