Emeryville Car Insurance For Less Than You're Paying Now

Purchasing affordable Emeryville car insurance on the web is challenging for beginners to comparison shopping online. With dozens of companies in the marketplace, how can you even start to compare every one to find the best available rates?

Finding affordable coverage in Emeryville is not that difficult. If you have car insurance now, you should be able to save some money using this information. California consumers only need to know how to compare prices over the internet.

Which Car Insurance is Cheapest in Emeryville, California?

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend your day driving to agents in Emeryville, or you could save time and use the internet to quickly compare rates.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is that you can't choose which companies to get quotes from. So if you want to choose specific providers for rate comparison, we put together a list of car insurance companies in California. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing identical coverage information on every quote you get. If you enter unequal deductibles or liability limits it's not possible to determine which rate is truly the best in Emeryville.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that help determine your car insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

The following are some of the factors car insurance companies consider when setting prices.

  • Your car insurance rates can be influenced by your job - Did you know your job can affect your rates? Careers like doctors, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and performers receive lower rates.
  • Discounts for married couples - Being married can get you a discount on your car insurance policy. Having a significant other means you're more responsible and it's proven that married drivers get in fewer accidents.
  • Older drivers save more - Young drivers in California are known to be careless and easily distracted when driving so they pay higher car insurance rates. If you've ever had to add a young driver to your car insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • How's your driving record? - Careful drivers have lower premiums compared to drivers with tickets. Only having one moving violation can boost insurance rates by as much as thirty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Where you reside plays a part - Residing in a rural area can save you money when it comes to car insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Don't get talked into coverage you don't need - There are a ton of add-on coverages that can waste your money on your policy. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.

How much can you save with discounts?

Companies that sell car insurance don't always publicize every discount very clearly, so here is a list some of the more common as well as the least known ways to save on car insurance. If you're not getting every credit you deserve, you're just leaving money on the table.

  • No Accidents - Drivers who don't have accidents can earn big discounts when compared to frequent claim filers.
  • Paperwork-free - Certain companies will give a small break for buying your policy over the internet.
  • Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Low Mileage Discounts - Fewer annual miles can qualify you for better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies who offer car insurance discounts in California, click this link.

Even more information is available at the California Department of Insurance website. Consumers can read industry bulletins, get help finding coverage, and read enforcement actions against agents and companies.

A tidy conclusion

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund and poor customer service. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

The cheapest car insurance can be bought from both online companies and also from your neighborhood Emeryville agents, and you need to comparison shop both to have the best selection. Some companies may not provide online quoting and these smaller companies work with independent agents.

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.