Top Ways to Save on Ceres Car Insurance

Having to pay for overpriced car insurance can empty your checking account, especially in this economy. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. With so many insurance companies to choose from, it's nearly impossible to choose the right insurer.

It's important to take a look at other company's rates on a regular basis since rates are constantly changing. Just because you had the lowest price 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.

This information will help educate you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. California consumers only need to know the most effective way to compare prices online.

Which Car Insurance is Cheapest in Ceres, California?

There are several ways to compare car insurance quotes, but one way is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in Ceres, or you can utilize the web to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The single downside to comparing rates this way is you are unable to specify which companies to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of low cost car insurance companies in California. Click here for list of insurance companies in California.

Whichever way you use, ensure you are comparing apples-to-apples coverages and limits on every quote you get. If your comparisons have different deductibles it will be next to impossible to determine which rate is truly the best in Ceres.

Ceres car insurance comparison

Ceres Rates are Influenced by These Factors

It's important that you understand some of the elements that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces car insurance companies consider when setting rates.

  • Older drivers save more - Young drivers in California are statistically proven to be more careless when driving so car insurance rates are higher. If you've ever had to add a teen driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Tickets mean higher rates - Careful drivers receive lower rates than bad drivers. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Credit scores impact car insurance rates - Credit score is a large factor in determining what you pay for car insurance. If your credit rating is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Multi-policy discounts can save money - Most companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to shop around to ensure the best deal.
  • Extra add-on coverages are wasting money - There are many add-on coverages that you can buy on your policy. Things like vanishing deductibles, towing coverage and term life insurance are examples of these. These may sound like a good investment at first, but if they're wasting money remove them from your policy.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for prior to getting the savings. If you don't get every credit you deserve, you're just leaving money on the table.

  • College Student - Children who are attending college and do not have a car can receive lower rates.
  • Accident Waiver - Some insurance companies permit an accident without raising rates as long as you don't have any claims for a set time period.
  • Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Air Bag Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance.
  • Defensive Driver - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of companies offering car insurance discounts in California, follow this link.

Additional information is located on the website for the California Department of Insurance through this link. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, file complaints about a company, and find out industry alerts.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Ceres.

A tidy conclusion

When buying insurance coverage, do not reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at an affordable rate.

The cheapest car insurance is available from both online companies and also from your neighborhood Ceres agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

You just learned many ways to lower your car insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper compared to the large companies like .