Finding Low-Cost Blue Jay Car Insurance

I can't think of anyone who likes having to buy car insurance, especially when the cost is way too high.

With consumers having so many choices of insurance companies, it's nearly impossible to pick the cheapest company.

It's important to compare rates periodically because rates are constantly changing. Despite the fact that you may have had the best price a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn one of the best ways to buy cheaper car insurance.

Finding the best rates in Blue Jay is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Although California car owners do need to know the methods companies use to compete online and apply this information to your search.

Blue Jay car insurance quote

How to Get Blue Jay Car Insurance Comparison Quotes

Most companies provide prices directly from their websites. The process is quite easy as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, their rating system will obtain credit information and your driving record and returns a price. This simplifies rate comparisons, but having to visit several different sites and type in the same information is monotonous and tiresome. But it's very important to do this if you want to find better car insurance pricing.

A quicker way to compare rates utilizes a single form to return rates from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. Immediately after you send the form, it gets priced and you can select any or none of the quotes returned. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

If you want to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles as close as possible to your current policy. This ensures you will have rate comparison quotes for similar insurance coverage.

These discounts can lower your rates

Companies that sell car insurance don't list every available discount very well, so we took the time to find some of the more common and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Resident Student - Children 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.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • No Accidents - Good drivers with no accidents can save substantially compared to bad drivers.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

To see a list of providers who offer car insurance discounts in California, follow this link.

Different people need different coverages

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured's situation is different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you could use an agent's help.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in California?
  • What are California no-fault laws?
  • Should I buy only the required California minimum liability coverage?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Even more information can be found at the California Department of Insurance website. Consumers can find out industry alerts, file complaints about a company, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Blue Jay insurance agents.