10 Money Saving Ideas Shown to Save on Car Insurance Costs in Buellton

Overpriced car insurance can dwindle your bank account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

These ten discounts can lower your rates

Car insurance companies don't list every discount very clearly, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
Senior Citizens - Mature drivers can possibly qualify for better car insurance rates.
No Accidents - Drivers who don't have accidents pay less when compared to bad drivers.
Accident Waiver - Certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
Life Insurance - Some companies give a discount if you purchase life insurance from them.
Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
Paperwork-free - Some insurance companies may give you up to $50 just for signing your application over the internet.
Defensive Driving Course - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
Drivers Education - Have your child successfully complete driver's ed class in high school.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

To see a list of insurance companies with the best car insurance discounts in California, click here to view.

How to Buy Buellton Car Insurance Online

Most companies like Progressive, Allstate and GEICO allow you to get coverage prices directly from their websites. Getting quotes is quite simple as you simply type in your coverage information as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and returns pricing information based on many factors. Quoting online helps simplify price comparisons, but the time it takes to visit each company's website and repetitively enter the same data into a form is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

The preferred way to locate the lowest prices 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 quoting online much more efficient. After sending the form, it is rated and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate as shown on your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

Different people need different coverages

When choosing coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you might need an agent's assistance.

Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in California?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Does my personal policy cover me when driving my company car?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Consumers in California can't get away from ads for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise that you can save if you move to their company.

How does each company claim to save you money?

Different companies have a preferred profile for the driver that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be quoted more money and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that much. This is how insurance companies can make the claims of big savings. This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict which insurance companies will fit your personal profile best.

In the end, you save

As you shop your coverage around, never reduce coverage to reduce premium. There are too many instances where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

Affordable car insurance is definitely available both online and also from your neighborhood Buellton agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Additional detailed information can be read at the California Department of Insurance website. Visitors are able to read industry bulletins, learn about insurance regulations, get help finding coverage, and find out industry alerts.