The words “bargain” and “auto insurance” really don’t belong together, especially when you are searching for the best coverage prices for immigrants. Let’s teach you some of the things the can have a considerable influence on car insurance prices, and figure out some ways to take the bite out of the next policy you buy.
Determining which companies quote the cheapest auto insurance rates for immigrants involves a bit more effort in order to find the lowest price. Each insurance company uses their own formula to determine premium rates, so let’s examine the auto insurance companies with the most affordable rates in California.
It’s important that you understand Irvine auto insurance rates are impacted by many things that may substantially change your annual premium. Turning one year older, becoming a homeowner, or getting into an accident may generate price changes resulting in some rates now being more affordable than others.
Cheapest Insurance Rates for Migrants
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USAA offers some of the best car insurance rates in Irvine at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the best Irvine, CA auto insurance companies.
As shown in the rates above, if you are currently insured with Nationwide and switched to Wawanesa, you may realize yearly savings of in the neighborhood of $58. California drivers with 21st Century could save as much as $133 a year, and Grange policyholders might realize rate reductions of up to $255 a year.
If you want to see how much you could save, click here or click through to the companies below.
It’s important to note that these policy rates are averaged for all insureds and vehicles and do not factor in a specific vehicle garaging location for immigrants. So the insurer that can offer you the lowest price may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
One of the more important criteria that aid in calculating the amount you pay each year for auto insurance is your address in Irvine. Cities with larger populations will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The information below ranks the most expensive cities in California for immigrants to purchase a policy in. Irvine comes in at #24 with an annual rate of $1,330 for coverage, which is approximately $111 per month.
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Information shown are approximated as specific Irvine zip code can modify premiums significantly.
How accidents and tickets impact rates
The recommended way to maintain good auto insurance premiums in California for foreigners is to pay attention while driving and maintain a clean driving record. The diagram below demonstrates how speeding tickets and at-fault fender-benders can influence annual premium costs for each age group. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in California per year with a clean driving record and no accidents is $2,122. Get written up for one speeding ticket and the average cost surges to $2,445, an increase of $324 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for immigrants goes up to an average of $5,469. That’s an increase of $3,347, or $279 per month, just for not driving attentively!
How to get discounts on Irvine insurance rates
Insurance companies that sell policies for immigrants may also provide discounts that could lower prices by as much as 35% if you meet specific criteria. A list of auto insurance companies and the discounts they provide are:
- Progressive offers discounts for multi-vehicle, continuous coverage, online signing, good student, online quote discount, and homeowner.
- GEICO may include discounts for membership and employees, anti-lock brakes, multi-vehicle, air bags, and multi-policy.
- State Farm has discounts for safe vehicle, good student, Steer Clear safe driver discount, multiple autos, and good driver.
- Esurance includes discounts for homeowner, multi-car, anti-theft, defensive driver, good student, and Switch & Save.
- The Hartford may have discounts that include bundle, anti-theft, good student, vehicle fuel type, and driver training.
The example below compares annual premium costs with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, passive restraint, anti-theft, accident-free, claim-free, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for immigrants is 28% or $670.
Comparing rates can save you money
Irvine auto insurance rates are impacted by many things that control the policy price. Simply having a birthday, moving across town, or getting into an accident can trigger rate changes that can now make some companies cheaper than competitors.
Also, companies amend pricing as often as every three months to help ensure profitability. An unexpected high level of claims may cause more expensive prices, while a better claims history may result in lower-cost Irvine car insurance rates.
To illustrate this point, the data below shows the cheapest car insurance in Irvine, CA for a 35-year-old male driver with no accidents or violations, and solid credit. If we estimate rates based on his current rating profile, USAA might quote the lowest car insurance rates in Irvine at $1,160 per year. This is $491 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the most affordable Irvine, CA auto insurance companies.
Now we will give the driver from the first set of rates an at-fault accident, slightly worse credit, and a stop sign violation. Because each insurer uses a different method to set policy rates, comparing insurance quotes may now present a substantially altered list of the cheapest Irvine car insurance companies as shown below.
Grange now has the best price in Irvine, CA with Allstate, Mercury, Progressive, and GEICO now being in the top five. This example illustrates why consumers need to take the time to compare many different companies to find the most economical auto insurance quotes for immigrants. Insurance prices are impacted by many risk factors and change dramatically, so the best option the last time you compared rates may now be quite expensive.