Free Guide to Cutting Costs on Crockett Car Insurance Online

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in California. Because you have many options when it comes to car insurance, it can be impossible to pick the right car insurance company.

Are you getting all your discounts?

Companies don't always list all available discounts very well, so we researched both the well known as well as the least known discounts you could be receiving. If you don't get every credit available, you're paying more than you need to.

  • Memberships - Being a member of a professional or civic organization may earn a discount when buying car insurance.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Life Insurance Discount - Some companies give a break if you buy auto and life insurance together.

It's important to note that some of the credits will not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you're out of luck.

To see a list of insurers offering car insurance discounts in California, click here.

Comparison of Car Insurance in Crockett

Most companies allow you to get prices on the web. Getting quotes is quite easy as you just enter as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and generates pricing information based on these and other factors. This simplifies rate comparisons, but the time it takes to visit many different websites and enter the same data into a form can get tiresome after awhile. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

There is a better way!

The preferred way to lower your car insurance bill is to use a quote form to get prices from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After sending your information, it is rated and you can choose any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your information. If you have coverage now, it's recommended you complete the form with your coverages exactly as shown on your declarations page. This makes sure you will get a fair comparison based on the exact same insurance coverage.

You have some control over your rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that could result in big savings.

  • Liability insurance protects assets - Liability insurance will protect you if you are found liable for causing damage or personal injury in an accident. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • High numbers of claims are not good - If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance companies in California generally give discounts to drivers who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
  • What type of vehicle do you drive? - The make and model of the car you are insuring makes a huge difference in how high your rates are. The lowest rates are usually for small economy passenger cars, but the cost you end up paying is determined by many additional factors.
  • Poor driving leads to higher costs - Whether or not you get tickets has a big impact on rates. Careful drivers have lower premiums than bad drivers. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Rural vs Urban Areas - Being located in less populated areas is a positive aspect when talking about car insurance. Urban drivers have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • How credit affects car insurance rates - A driver's credit score is a important factor in your rate calculation. If your credit score is lower than you'd like, you could pay less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • Being married is a good thing - Having a wife or husband can actually save you money on car insurance. Having a spouse means you're more mature and it's proven that drivers who are married are more cautious.
  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. They both are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.

How can Allstate, GEICO and Progressive save drivers who switch?

Consumers in California can't get away from ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you switch to their company.

But how can every company claim to save you money?

All the different companies can use profiling for the driver that is profitable for them. For instance, a profitable customer might be between the ages of 40 and 55, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay higher prices and this can result in the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's why insurance companies can advertise the savings. This illustrates why drivers must get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

In the end, you save

Lower-priced car insurance is available both online and also from your neighborhood Crockett agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just covered a lot of techniques to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from a small local company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as .

Learn more today

Additional detailed information is located at the California Department of Insurance website. Visitors are able to find out which companies have the most complaints, download brochures, learn about specific coverages, and file complaints about a company.

Additional helpful sites include this link for California car insurance quotes and this link which helps you find a Crockett agent.