Best Cheap Insurance Quotes for a Toyota Corolla in California

Since we’re writing about auto insurance, the word cheap should not appear anywhere in the article as a descriptor for auto insurance rates. It’s just reality that cheap car insurance for a Toyota Corolla does not exist. But don’t despair, because we will tell you how you can still get insurance that you can afford to pay for.

Your ability to find the best cheap auto insurance for a Toyota Corolla in California is dependent upon dozens of factors like how old you are, if you have ever let your coverage lapse, and the deductible amount you use. Drivers pay an average of $1,050 every 12 months for Corolla insurance, but that price is an estimation using a 50-year-old single male driver that has full coverage including both comprehensive and collision and $1,000 deductibles.

There is a good probability you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you want more liability coverage than is required by law in California. Every policy is rated specifically for the driver, so the most reliable method for finding cheap insurance rates for your Toyota is to compare as many rates as you can. Quotes are free and easy and you will receive prices from the cheapest companies that insure vehicles in California.

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The trim level of your Corolla will be a contributing factor to price, so the cost to insure a Corolla LE will be $22 cheaper than the price to insure the higher-end Corolla XRS version, as shown in the table below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can influence premiums greatly.

Best car insurance company in California

Selecting a high-quality insurance company is difficult considering how many companies there are in California. The rank data displayed below could help you decide which car insurance providers you want to consider when buying insurance for a Toyota Corolla. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in this list.

The diagram below shows how choosing a deductible can raise or lower premium costs when searching for cheap insurance for a Toyota Corolla. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

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The data above shows that a 50-year-old driver could lower their car insurance rates by $492 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $738 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could save $1,640 or more by using higher deductibles when buying full coverage. When choosing a higher deductible, it is important to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Why you should be shopping around

California car insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Simply turning a year older, getting divorced, or having an at-fault accident can produce rate changes that can cause some rates to be much cheaper than others.

In addition, insurers amend premium rates multiple times each year in order to remain profitable. Higher than usual claims may cause increased rates, while a profitable period can result in cheaper Corolla insurance rates.

To illustrate this point, the data below shows rates for the cheapest car insurance in California for a 35-year-old male driver with a clean driving record, no accidents, and a good credit rating. When comparing rates based on his personal profile, USAA may have the most affordable car insurance rates in California at $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the cheapest California auto insurance companies.

google.charts.setOnLoadCallback(drawCAWitcqcibChart);function drawCAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 1155, ‘#528E00’],[‘Wawanesa’, 1157, ‘#447600’],[‘Century National’, 1214, ‘#386200’],[‘CSAA’, 1222, ‘#2E5100’],[‘Nationwide’, 1226, ‘#264300’]]);var options = {title: ‘Best Cheap Auto Insurance for a Toyota Corolla’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1326,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver from above an accident claim, a lower credit rating, and a blemish on his driving record. Because each insurer has their own guidelines for determining prices, getting updated rate quotes may result in a completely different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawCAWcqcibChart);function drawCAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Grange’, 1591.7, ‘#DB7900’],[‘Progressive’, 1645.6, ‘#B66400’],[‘Mercury’, 1653.3, ‘#975300’],[‘Allstate’, 1664.3, ‘#7D4500’],[‘Allied’, 1711.6, ‘#683900’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1811.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Grange now has the best car insurance rate in California with Progressive, Mercury, Allstate, and Allied also being competitive. This example illustrates why it is so important to perform an extensive rate comparison to get affordable car insurance rates for a Toyota Corolla.

Prices can be altered by many things and can change substantially, so the lowest-price company two years ago may now cost much more than other companies.

How to find the best cheap insurance for a Toyota Corolla in California

Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help California drivers get cheaper coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Avoid accidents and claims
• If possible, pay for small claims out-of-pocket
• Do not get tickets or violations
• Insure your home and auto with the same company
• Shop around and save

The final tip is very critical, as we noted in the prior article. Insurance rates in California can be adjusted at any time, so don’t be unwilling to buy a policy from a new company if a better rate can be found.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. Take a few minutes and shop around to find cheaper insurance for a Toyota Corolla.