Claremont Car Insurance For Less Than You're Paying Now

Buying affordable Claremont car insurance on the web can seem to be challenging for people who are new to comparing rates online. With dozens of online companies, how can you even start to compare them all to find the best price?

It's important to compare prices on a regular basis since rates are constantly changing. Just because you had the lowest rates a few years ago you may be paying too much now. So just ignore everything you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

If you have insurance now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Finding the cheapest coverage in Claremont is not that difficult. California drivers only need an understanding of the proper methods to compare company rates online.

Car Insurance Prices in Claremont, California

Comparing car insurance rates can be challenging if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in Claremont, or you could save time and use online quotes to get rates in a matter of minutes.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company can provide price quotes based on that data. This system prevents you from having to do form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is that consumers can't choose which companies you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we have a listing of car insurance companies in California. Click here for list of insurance companies in California.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverages and limits on every quote. If you have different deductibles it's impossible to make a fair comparison in Claremont.

California car insurance

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that go into determining your car insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Tickets mean higher rates - Drivers who don't get tickets have lower premiums than bad drivers. Only having one citation can bump up the cost by as much as thirty percent. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but men cause more damage. Men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Do you know you're credit rating? - Your credit score is a important 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 credit score. People with high credit scores tend to be more responsible than drivers with poor credit.
  • Car features impact rates - Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
  • Consolidate policies to earn discounts - Most car insurance companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
  • High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The higher the amount you have to pay, the bigger discount you will receive.

Be sure to get all your discounts

Companies don't list every available discount in a way that's easy to find, so we break down some of the more common as well as the least known ways to save on car insurance. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Accident Waiver - A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Lower Rates for Military - Having a family member in the military could mean lower rates.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

It's important to understand that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

For a list of providers offering car insurance discounts in Claremont, click this link.

More tips and info about car insurance can be found at the California Department of Insurance website. Consumers can file complaints about a company, learn about insurance regulations, and find out industry alerts.

Best coverage at the best price

You just learned many ideas to lower your car insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the lesser-known companies.

Low-cost car insurance is available from both online companies as well as from independent agents in Claremont, so compare prices from both to get a complete price analysis. Some car insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Insureds switch companies for a number of reasons such as poor customer service, denial of a claim, unfair underwriting practices and lack of trust in their agent. Regardless of your reason, choosing a new insurance company is not as hard as you think.