Car Insurance in Bell Gardens California - 6 Tricks to Save Money

Finding affordable Bell Gardens car insurance is difficult for consumers not familiar with shopping for insurance online. People have so many options available that it can be a lot of work to find the best price in Bell Gardens.

How to Compare Car Insurance Costs in Bell Gardens

All major car insurance companies allow you to get coverage price quotes online. Getting quotes is fairly simple as you simply type in the amount of coverage you want as detailed in the form. After the form is submitted, the system will obtain information on your driving record and credit history and generates a price based on these and other factors.

This streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

There is a better way!

The preferred way to find cheaper rates is to use a quote form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping much simpler. Once the form is submitted, it is rated and you can select any or none of the resulting price quotes.

If you find a better price you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you replicate your coverages exactly as shown on your declarations page. This makes sure you are getting a price comparison for the exact same coverage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few need to be requested specifically before you will receive the discount. If you don't get every credit available, you are paying more than you should be.

  • Claim Free - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Payment Method - By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Multiple Policy Discount - If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount - Some companies give a break if you buy a life insurance policy as well.
  • Driver Safety - Completing a defensive driving course could save 5% or more if your company offers it.

It's important to note that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, you're out of luck. But any discount will help reduce the cost of coverage.

To choose insurance companies who offer car insurance discounts in California, click here.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers in California can't ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all have a common claim that you can save after switching your coverage to them.

But how can every company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be over the age of 50, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" receives the best rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted more money and this can result in the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save that much money. That's why insurance companies can state the savings.

This emphasizes why you need to compare many company's rates. It's just too difficult to predict the company that will have the lowest rates.

More information can be found on the California Department of Insurance website found here. Visitors are able to read industry bulletins, view a list of available companies, and view agent and company licensing information.

Other informative sites include this online resource for car insurance quotes in California and this list of insurance agents in Bell Gardens.

compare Bell Gardens car insurance rates

A tidy conclusion

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, policy non-renewal or even high prices. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Lower-priced car insurance can be purchased both online as well as from independent agents in Bell Gardens, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.