Tightwads Instructions on Saving on Costa Mesa Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many people just like you. Lots of contend to insure your vehicles, so it can be very hard to choose a to find the absolute lowest rate

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. Just because you found the best price on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.

If you have a policy now or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Buying car insurance in Costa Mesa is not that difficult. California consumers only need to know the most efficient way to get comparison rates on the web.

Save big with these discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Certain discounts will be applied when you purchase, but less common discounts must be inquired about before being credited. If they aren't giving you every credit possible, you are throwing money away.

  • Sign Online - Certain companies give back up to $50 for buying your policy on their website.
  • Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Clubs and Organizations - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
  • Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
  • Senior Discount - If you qualify as a senior citizen, you may receive reduced rates.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Homeowners Discount - Owning a house in Costa Mesa can help you save on auto insurance because maintaining a house is proof that your finances are in order.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won't be that lucky. Any amount of discount will cut your overall premium however.

Auto insurance ads bend the truth

California drivers get pounded daily by advertisements that promise big savings by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you change to them.

How do they all say the same thing?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has great credit. A propective insured who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher prices and ends up with business not being written. Company advertisements say "customers that switch" not "people who quote" save money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional information can be found on the website for the California Department of Insurance located here. California drivers can get help finding coverage, find disaster information, find out which companies have the most complaints, and file complaints about a company.

auto insurance in Costa Mesa

A tidy conclusion

The cheapest auto insurance can be sourced on the web and with local Costa Mesa insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.