Tightwads Guide to Saving on Ben Lomond Auto Insurance

Are you tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as millions of other consumers. With consumers having so many choices of insurance companies, it is very difficult to locate the lowest price provider.

It's important to check auto insurance prices before your policy renews because prices are constantly changing. Even if you think you had the best rates six months ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance online, so I'm going to show you some great ways to put money back in your pocket.

Locating the cheapest auto insurance in Ben Lomond can be fairly easy. If you have a policy now or need new coverage, you can learn to get lower rates while maintaining coverages. California vehicle owners just need to know the proper methods to shop for auto insurance on the web.

These discounts can lower your rates

The price of auto insurance can be rather high, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but some may not be applied and must be requested specifically before you will receive the discount. If you don't get every credit available, you are throwing money away.

  • Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Accident Free - Claim-free drivers pay less as compared to drivers who are more careless.
  • Safety Course Discount - Taking a defensive driving course could save 5% or more if you qualify.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • One Accident Forgiven - Some insurance companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Discount for Swiching Early - Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Drive Less and Save - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Bundle and Save - If you have multiple policies with one insurance company you will save 10% to 20% off each policy.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

California auto insurance quotes

Are you falling for claims of savings?

Consumers in California get pounded daily by advertisements for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big if you change to them.

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

Different companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be between 30 and 50, is a homeowner, and has a high credit rating. A customer getting a price quote who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher premiums which usually ends up with the customer not buying. The ads say "customers who switch" not "everybody who quotes" save money. That's why companies can state the savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

Much more information about auto insurance in California can be read on the website for the California Department of Insurance found here. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, discover disciplinary actions, and file complaints about a company.

Also read more on Auto Insurance 101 and this page where you can research Ben Lomond insurance agents.

Best coverage at the best price

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price.

Budget-conscious auto insurance is attainable both online and with local Ben Lomond insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.