It would sure make life easier if we could simply tell you the company that has the cheapest coverage in California. It’s just not that easy, however, as there are a ton of unknown aspects like the number of miles you drive each year, if you are a homeowner or renter, and if you have a tendency to get into accidents, that all impact the cost of coverage. We will attempt to cover the things that influence insurance rates and will give you a good beginning to your search for cheaper coverage.
Comparing quotes for reasonably-priced car insurance is challenging, and determining which companies offer the most affordable insurance rates for handicapped drivers involves more quotes for comparison. Each insurer uses different criteria for establishing rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in Irvine, CA.
It’s important that you understand Irvine, CA insurance rates are determined by lots of factors that control your annual premium. Simply having another birthday, buying a new vehicle, or having an accident can trigger rate changes that can cause some rates to be cheaper than competitors.
Find Cheaper Car Insurance in California
|Rank||Company||Cost Per Year|
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USAA quotes some of the best car insurance rates in Irvine at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also some of the lowest-priced Irvine, CA car insurance companies.
As shown in the rates above, if you are a customer of Nationwide and switched to USAA, you might achieve savings of upwards of $70. Drivers with CSAA might save as much as $79 a year, and 21st Century insureds might cut rates by $182 a year.
It’s important to note that these premium estimates are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for handicapped drivers. So the auto insurance company that is best suited for you may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.
The make and model of vehicle to be insured is a large factor when trying to find the most economical insurance for handicapped drivers. Vehicles with economical engines, good safety features, or a low likelihood of liability claims will cost significantly less to insure than higher performance models.
The information below showcases auto insurance costs for some of the most budget-friendly automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$794|
|Honda CR-V EX-L 2WD||$803|
|Ford Edge SE 2WD||$854|
|Jeep Wrangler Sahara 4WD 2-Dr||$872|
|Toyota Tacoma 4WD||$880|
|Honda Odyssey EX W/Rear Entertainment||$902|
|Ford F-150 Lariat Crew Cab 4WD||$936|
|Hyundai Elantra Blue 4-Dr Sedan||$950|
|Toyota Camry XLE||$968|
|Chevrolet Equinox LTZ AWD||$984|
|Jeep Grand Cherokee SRT-8 4WD||$984|
|Kia Optima LX||$986|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can change premiums substantially.
Based upon the table data, vehicles like the Ford Escape, Honda CR-V, Ford Edge, Jeep Wrangler, and Toyota Tacoma are likely to be some of the less-costly vehicles to insure for drivers with handicaps.
One of the more important factors that aid in calculating auto insurance rates is your address in Irvine. Cities with larger populations tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The information below lists the most expensive areas in California for handicapped drivers to purchase a policy in. Irvine comes in at #21 costing $1,371 for car insurance, which is approximately $114 each month.
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Rate information is approximated as the vehicle garaging location can decrease or increase price quotes substantially.
The chart below shows how choosing a deductible can increase or decrease insurance premiums when trying to find cheap insurance for handicapped drivers. Data assumes a single male driver, comp and collision included, and no discounts are applied.
As shown above, a 50-year-old driver could save $362 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save up to $1,190 or more by choosing a larger deductible amount.
If you make the decision to raise deductibles, it is essential to have spare funds to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Rate difference between full and liability-only coverage
Saving money on insurance is important to most vehicle owners, and an easy way to lower the cost of insurance for handicapped drivers is to only pay for liability coverage. The illustration below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The prices are based on a clean driving record, no claims, $1,000 deductibles, single status, and no other discounts are factored in.
Averaged out for all age groups, comp and collision coverage costs $2,003 per year over and above liability only. Many drivers will wonder if buying full coverage is worth the money. There is no exact rule for dropping physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $7,500 after the policy deductible has been paid. If you are paying in excess of $750 a year to have full coverage, then you may need to consider dropping full coverage.
You may be paying too much for car insurance
California insurance rates are impacted by many factors which can substantially change the price of your policy. Improving your credit rating, becoming a homeowner, or getting a ticket for careless driving can cause premium changes that can make some companies cheaper than before. Not only may your risk profile change, but auto insurance companies change their prices as often as every quarter in order to be able to pay unexpected claims. A period of higher than normal claims may cause increased policy costs, while better underwriting can produce lower-cost Irvine car insurance rates.
To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Irvine, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate prices based on his personal profile, USAA offers the best car insurance rates in Irvine at $1,121 each year. This is $530 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the cheapest Irvine, CA auto insurance companies.
Let’s now give the driver in the first chart a chargeable accident, less-than-perfect credit, and a stop sign violation. Since each insurance company has a unique approach to set premium rates, analyzing rates may result in a different set of cheap Irvine auto insurance companies as shown below.
Mercury now has the lowest car insurance rate in Irvine with Grange, Allstate, GEICO, and Progressive completing the list. This shows why Irvine drivers need to shop around to find the most affordable insurance rates for handicapped drivers.
Insurance prices are made up of many different factors and can change substantially, so the most economical company the last time you compared rates may now be an over-priced policy.
How to find the cheapest insurance for handicapped drivers
Here are some money-saving solutions that can help California drivers get low-cost coverage.
- Vehicles with safetly features generally cost less to insure
- Maintain a clean driving record
- Increase your policy deductibles
- Good credit can save money
- Accidents can significantly increase rates
- Ensure you have the best deal by shopping around regularly
That last idea is particularly necessary, as we hit on in this write-up. Insurance rates change a lot, so don’t be afraid to switch companies if you find a better deal.
Having brand loyalty is commendable, but it isn’t a good idea if it’s costing you several hundred dollars every year. In less than five minutes you could compare rates and find cheaper car insurance for handicapped drivers in Irvine.
The insurance agencies below are willing to answer your questions and help you decide which policy fits your needs best, since many consumers aren’t sure which coverage to buy and prefer to have a consultation when shopping for the best coverage for handicapped drivers. It’s not always easy to find the best coverage yourself, so professional agents can bring comfort knowing you have adequate asset protection.
To find an Irvine insurance agent in your neighborhood, click the button below the list or click here to compare price quotes.
State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866
Lockton Insurance Brokers
19800 MacArthur Blvd #1250 – Irvine, CA 92612 – (949) 252-4400
Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222
State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600