Best Ways to Save on El Cajon, CA Car Insurance

Are you a victim of overpriced car insurance? Trust us when we tell you many El Cajon consumers feel financially strained by their car insurance policy.

Astonishing but true, nearly 70% of customers kept their policy with the same company for at least four years, and approximately 40% of consumers have never compared quotes from other companies. Many consumers in the United States could save an average of about 47% each year just by getting comparison quotes, but they think it’s difficult to shop around.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the best rates possible on car insurance.

It is always a good idea to compare prices yearly since insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rate on car insurance a few years ago other companies may now be cheaper. Don’t believe everything you read about car insurance online but in a few minutes you can learn some proven techniques to lower your car insurance premiums.

If you’re already insured, you will most likely be able to save money using the concepts you’re about to learn. Locating the best rates in El Cajon is actually quite simple. Nevertheless, California consumers can benefit from knowing the way insurance companies market insurance on the web and use it to your advantage.

The cheapest El Cajon auto insurance price quotes

Keep in mind that comparing more rates from different companies helps increase your odds of locating a lower rate than you’re paying now.

The providers in the list below are ready to provide comparison quotes in El Cajon, CA. If multiple companies are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in El Cajon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $990 $495 $83
Chevrolet Impala LT $1,396 $698 $116
Chevrolet Silverado LTZ Extended Cab 2WD $1,796 $898 $150
Dodge Ram Crew Cab ST 4WD $1,122 $561 $94
Ford Escape XLS 2WD $1,174 $587 $98
Ford Explorer XLT 2WD $1,106 $553 $92
Ford F-150 SVT Raptor Super Cab 4WD $1,338 $669 $112
Ford Focus SE 2-Dr Coupe $1,700 $850 $142
Ford Fusion SEL AWD 4-Dr Sedan $1,574 $787 $131
Honda Accord EX 4-Dr Sedan $868 $434 $72
Honda CR-V EX-L 4WD $1,134 $567 $95
Honda Civic GX 4-Dr Sedan $1,732 $866 $144
Honda Odyssey Touring $1,284 $642 $107
Nissan Altima 2.5 S 2-Dr Coupe $2,178 $1,089 $182
Toyota Camry SE $1,418 $709 $118
Toyota Corolla XLE $1,202 $601 $100
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can affect coverage rates considerably.

How high should deductibles be?

The information below illustrates how your choice of deductibles and can raise or lower Dodge Ram premium costs for each different age group. The premium estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.

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

Safe drivers pay less for car insurance

The illustration below illustrates how traffic citations and at-fault claims drive up Chevrolet Tahoe car insurance rates for each different age category. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

How much more does full coverage cost?

The illustration below examines Ford Focus car insurance costs when comparing full coverage to state minimum liability only. The information is based on no violations or claims, $1,000 deductibles, married male driver, and no discounts are applied.

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

When to stop paying for full coverage

There is no definitive guideline for phasing out full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford Focus settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If it’s costing you more than $600 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some conditions where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Neighborhood insurance agents

Certain consumers would prefer to talk to an insurance agent and that is just fine! One of the great benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes but also keep your business local. Buying insurance from small agencies is important particularly in El Cajon.

Insurance agency in El CajonTo help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to insurance agents in El Cajon who can give free rate quotes for your insurance coverage. There is no need to leave your house as quotes are delivered immediately to you. It’s the lowest rates and an insurance agent to talk to. In the event you want to get a price quote from a specific insurance company, you can always visit that company’s website and fill out their quote form.

Best auto insurance agent in El Cajon

If you want to buy auto insurance from local El Cajon agents, it’s helpful to know the types of insurance agents and how they are distinctly different. Agencies in El Cajon can be categorized as either exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Independent insurance agents do not sell for just one brand and that enables them to quote your coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company which makes it simple for you.

If you need lower rates, you definitely need to include price quotes from several independent agencies for maximum quote selection.

Featured below is a short list of independent agents in El Cajon who may provide price quotes.

Taylor Insurance Agency
766 N 2nd StEl Cajon, CA 92021(619) 442-2129View Map

1558 Magnolia Ave Ste CEl Cajon, CA 92020(619) 596-7722View Map

353 E Park Ave #201El Cajon, CA 92020(619) 440-7778View Map

More insurance agents

Exclusive Agencies

These agents can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are not able to provide other company’s prices so always compare other rates. These agents are trained well on their products and sales techniques and that can be a competitive advantage.

The following are exclusive agencies in El Cajon that can give you price quotes.

680 Fletcher Pkwy #205El Cajon, CA 92020(619) 593-3234View Map

365 Broadway #202El Cajon, CA 92021(619) 442-9419View Map

338 W Lexington Ave #205El Cajon, CA 92020(619) 440-0161View Map

More insurance agents

Finding the right auto insurance agent is decision based upon more than just a low price. Agents should be asked these questions:

Vehicle claim statistics

Which vehicle models have severe claims? The statistics tables below list the highest and lowest vehicles for the probability of having claims.

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Xterra Audi S7
Infiniti QX50 BMW M6
Nissan Leaf Bentley Continental GTC
Volvo V60 Maserati Quattroporte
Chevy Silverado 2500 BMW M6
Chevy Spark Maserati Granturismo

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

Manufacturer Models with the Lowest and Highest Liability Insurance Claims
Lowest Claims Highest Claims
Audi A6 Mitsubishi Lancer
Subaru Forester Mitsubishi Mirage
Chevrolet Corvette Kia Rio
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Chevrolet Impala
Acura MDX Hyndai Accent

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Ford F-350 SuperCrew Hyundai Accent
Tesla Model S Nissan Versa
Audi A4 Allroad Chevrolet Sonic
Chevrolet Silverado 3500 Chevrolet Spark
Ford Expedition Chrysler 200
Ford F-250 SuperCrew Nissan Sentra

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

Lowest and Highest Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Mini Cooper Maserati Ghibli
Ford F-250 SuperCab Bently Continental GT
Chevrolet Colorado BMW M6
Nissan Xterra Bently Continental GTC
Smart ForTwo Nissan GT-R
Ford F-150 SuperCrew BMW 6 Series

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