Top Ways to Save on Arroyo Grande Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you are not the only one feeling buyer's remorse.

Because there are so many options when it comes to auto insurance, it is very difficult to choose the cheapest insurer.

It's important to take a look at other company's rates every six months because insurance rates are constantly changing. Despite the fact that you may have had the lowest rates two years ago there may be better deals available now. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

Finding the best rates in Arroyo Grande is quite easy. If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Nevertheless, California drivers do need to know how companies compete online and use this information to your advantage.

Are you getting all your discounts?

Car insurance companies don't always advertise all their discounts very well, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Sign Online - Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Save over 55 - Older drivers may be able to get better auto insurance rates.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn't quite work that way.

For a list of companies who offer auto insurance discounts in California, click this link.

Comprehensive Arroyo Grande Auto Insurance Comparison

Most major insurance companies quote coverage prices online. Getting online rates is pretty painless as you just type in the coverages you want as detailed in the form. Once entered, the company's rating system will obtain reports for credit and driving violations and returns a price quote based on many factors. This helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms is not the best way to spend an afternoon. But it's very important to compare as many rates as possible if you are searching for the best price on auto insurance.

A more efficient way to lower your rates uses one simple form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as the form is sent, it is quoted and you can select any or none of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the new coverage. It takes less than 15 minutes and can result in significant savings.

To save time and find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate the coverage information exactly as they are listed on your policy. This helps ensure you will be getting an apples-to-apples comparison based on identical coverages.

Shop smart and save

Low-cost auto insurance can be bought online and also from your neighborhood Arroyo Grande agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford.