5 Shopping Tips Guaranteed to Lower Car Insurance Costs in Blairsden, CA

Finding affordable Blairsden car insurance is a challenge for consumers new to comparison shopping online. Consumers have so many options available that it can quickly become more work than you anticipated to compare prices in Blairsden.

If you are insured now or are shopping for new coverage, you can learn to find better prices and still get good coverage. This information will let you in on the most effective way to quote insurance and some tips to save money. California vehicle owners just need to know the most efficient way to buy car insurance online.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount. If you aren't receiving every discount available, you are throwing money away.

  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • No Accidents - Claim-free drivers pay less when compared with drivers who are more careless.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount - If you have multiple policies with one insurance company you will save at least 10% off all policies.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

car insurance in Blairsden

How can 21st Century, Allstate and State Farm save drivers who switch?

Consumers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big if you move to their company.

How can each company make the same claim? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. A good example of a profitable customer could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements must pay more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that much. That's why companies can state the savings.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Much more information about car insurance in California can be read on the California Department of Insurance website. Click here for link. Consumers can find disaster information, find a variety of consumer forms, and read industry bulletins.

And the best car insurance company is...

Budget-conscious car insurance is definitely available from both online companies and also from your neighborhood Blairsden agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, high rates after DUI convictions and even unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.