How to Get the Cheapest Buena Park Car Insurance

Are you overwhelmed by the crazy number of car insurance options in Buena Park? Lot's of other consumers are too. There are so many companies to choose from that it can turn into a lot of work to locate the lowest price.

If you have a policy now or need new coverage, you can use these techniques to get lower rates and still get good coverage. This information will tell you how to effectively get price quotes and some money-saving tips. California consumers only need to know the proper way to compare company rates on the web.

Comprehensive Buena Park Car Insurance Comparison Quotes

There are several ways to compare car insurance prices and some are easier and takes less work. You could spend your day talking to insurance companies in Buena Park, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies take part in a program that allows shoppers to submit one quote, and each company returns a competitive quote for coverage. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify which companies to get quotes from. So if you want to select from a list of companies to compare rates, we put together a list of car insurance companies in California. Click here to view list.

Which method you use is up to you, but compare exactly the same coverage limits on every quote you get. If you use differing limits it's impossible to determine which rate is truly the best in Buena Park.

Why some people pay less for insurance in Buena Park

It's important that you understand some of the elements that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are a few of the "ingredients" companies use to determine prices.

  • Your stress level may be raising your rates - Careers like lawyers, architects and dentists tend to pay the highest average rates because of high stress levels and long work days. Other occupations like actors, historians and retirees have the lowest average rates.
  • Higher safety ratings means cheaper insurance - Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
  • How's your driving record? - A bad driving record has a huge affect on how much you pay. Good drivers have lower premiums than their less careful counterparts. Just one moving violation can increase rates forty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Your credit rating is important - Having a bad credit score is a important factor in calculating your car insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores. If your credit rating is low, you could be paying less to insure your by improving your credit score.
  • Proper usage rating affects rates - The higher the mileage driven in a year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle.
  • Marriage brings a discount - Having a spouse helps lower the price when buying car insurance. Having a significant other is viewed as being more responsible and it's proven that being married results in fewer claims.
  • Older drivers save more - Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers. Young drivers have a tendency to be more careless when behind the wheel and because of this, their car insurance rates are much higher.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount in a way that's easy to find, so we took the time to find some of the more common as well as the least known car insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Low Mileage Discounts - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Paperwork-free - A few companies will give a small break for buying your policy digitally online.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with discount car insurance rates in Buena Park, follow this link.

Even more information can be found at the California Department of Insurance website. Consumers can read industry bulletins, find disaster information, and file complaints about a company.

car insurance in Buena Park

In the end, you save

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices and policy cancellation. Regardless of your reason, choosing a new insurance company is not as hard as you think.

The cheapest car insurance is attainable from both online companies and with local Buena Park insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

We just showed you a lot of information how to lower your car insurance rates. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the lesser-known companies.