Easy Methods to Spend Less on Cameron Park Car Insurance

If online car insurance comparisons are new to you, it's easy to get overwhelmed by the vast number of car insurance companies offering insurance in Cameron Park.

It's important to take a look at other company's rates occasionally due to the fact that insurance rates are constantly changing. Even if you got the best rates two years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to slash your car insurance rates.

Locating the cheapest coverage in Cameron Park can be fairly easy. In a nutshell, everyone who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But California consumers do need to know how big insurance companies price online insurance.

Cameron Park Car Insurance Quote Comparison

Comparing car insurance rates can be a daunting task if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Cameron Park, or you could save time and use the web to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company then returns a price quote. This saves time by eliminating quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can't choose which companies you want to price. If you would rather choose from a list of companies to request quotes from, we have a page of car insurance companies in California. Click here for list of insurance companies in California.

It's your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits and deductibles for every quote you compare. If you are comparing different liability limits it's impossible to determine the best price in Cameron Park. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of finding the best rates.

Cameron Park Rates are Influenced by These Factors

It's important that you understand the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Your location is important - Living in small towns and rural areas can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and a lower car theft rate.
Credit scores impact car insurance rates - Credit score is a important factor in determining your rates. If your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
Multi-policy discounts can save money - Most insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal.
Battle of the sexes - Statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Both sexes have accidents at a similar rate, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

Bundle and Save - When you have multiple policies with one company you may earn at least 10% off all policies.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
College Student - Kids in college living away from home attending college and do not have a car can receive lower rates.
Defensive Driver - Successfully completing a defensive driving course can save you 5% or more depending on where you live.
Early Signing - Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
Good Student - Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Driver's Ed - Require your teen driver to complete a driver education course in school.
No Accidents - Good drivers with no accidents pay less as compared to frequent claim filers.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

For a list of companies offering car insurance discounts in California, click here to view.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is a little different.

For example, these questions might point out if your insurance needs might need professional guidance.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need PIP (personal injury protection) coverage in California?
Should I buy additional glass protection?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?
Should I buy only the required California minimum liability coverage?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Much more information about car insurance in California can be read on the California Department of Insurance website located here. Visitors are able to view agent and company licensing information, find out industry alerts, and read consumer alerts.

Other useful links include Wikipedia and this Cameron Park agent directory.

Do the work, save more money

When buying insurance coverage, do not reduce needed coverages to save money. In many instances, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Discount car insurance can be found both online and also from your neighborhood Cameron Park agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

We just presented many tips how you can lower your car insurance rates. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. Drivers may discover the best prices are with some of the lesser-known companies.