6 Discounts Cypress Consumers Forget when Shopping for Car Insurance

Searching for low-cost Cypress car insurance online is somewhat difficult for consumers new to comparison shopping online. With so many choices of online companies available, how can you possibly compare the different rates to find the best price?

It's important to compare prices yearly since rates are constantly changing. If you had the best price a year ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out one of the easiest ways to lower your rates without sacrificing coverage.

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Compare Car Insurance Today

There are several ways to get quotes from local Cypress car insurance companies. One of the best ways to compare insurance prices is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. A single, simple form will return price quotes from multiple companies.It's the quickest way to get rates.
  2. A more time consuming way to get quotes online consists of visiting each company website to request a price quote. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in Cypress, click here.
  3. The most time-consuming way of comparing rate quotes is to waste gas driving to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we'll cover that in a bit.

Whichever method you choose, make sure you use exactly the same deductibles and coverage limits for each price quote. If you use different values for each quote it's not possible to truly determine the lowest rate in Cypress. Slightly different coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting better pricing.

Save big with these six discounts

Companies offering auto insurance don't necessarily list every available discount in a way that's easy to find, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Good Student Discount - This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in high school.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with certain companies.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

To choose providers with the best car insurance discounts in Cypress, click here.

Car insurance ads bend the truth

Companies like State Farm and Allstate regularly use ads on TV and radio. All the ads have a common claim about savings if you move to their company. How can each company claim to save you money?

Insurance companies have a preferred profile for the driver that makes them money. For example, a preferred risk might be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Drivers who fall outside the requirements will be charged higher premiums and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can truthfully make those claims. That is why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

But I don't know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation might need an agent's assistance.

  • Should I buy only the required California minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in California?
  • Does my policy cover my teen driver if they drive my company car?
  • What happens if I owe more than my vehicle is worth?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Even more information can be found at the California Department of Insurance website. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, and download brochures.

California car insurance quotes

Shop smart and save

We just covered a lot of ways to compare car insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even discover the lowest rates come from the least-expected company.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as high prices, delays in paying claims, extreme rates for teen drivers or even high rates after DUI convictions. Whatever your reason, choosing a new insurance company is easier than you think.