Fort Bragg Auto Insurance For Less Than You're Paying Now

Price shopping your Fort Bragg auto insurance is challenging for consumers not familiar with buying insurance online. Consumers have so many options available that it can quickly become more work than you anticipated to locate the lowest price in Fort Bragg.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Knowing what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Choose a safe vehicle and save - Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
  • Claim-free discounts can add up - Auto insurance companies in California award lower rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Multi-policy discounts can save money - Most insurers will award you with lower prices to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
  • Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Both sexes are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Save money with special equipment - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Add-on coverages can add up - There are many extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages for rental car reimbursement, accidental death and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Traffic citations inflate rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation may increase your cost by twenty percent. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • More miles equals more premium - The more miles you rack up on your car every year the more you'll pay to insure your vehicle. The majority of insurers price each vehicle's coverage based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

auto insurance in Fort Bragg

These discounts can lower your rates

Car insurance companies don't list all available discounts very clearly, so we researched some of the best known and the more hidden savings tricks you should be using.

  • Military Discounts - Being on active duty in the military could mean lower rates.
  • Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off depending on your company.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Senior Discount - If you're over the age of 55, you may qualify for a discount up to 10%.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn't work that way.

To choose insurers offering auto insurance discounts in California, click here to view.

Are you falling for claims of savings?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make an identical promise that you can save if you switch your policy. How does each company say the same thing?

Insurance companies can use profiling for the right customer that makes them money. For instance, a profitable customer might be profiled as over the age of 50, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money and ends up with business not being written. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can state the savings. This illustrates why you should compare as many rates as you can. It's not possible to predict the company that will give you the biggest savings.

Learn more today

Additional detailed information is located at the California Department of Insurance website. California drivers can find disaster information, download brochures, and read consumer alerts.

Affordable insurance is out there

Affordable auto insurance can be found on the web in addition to many Fort Bragg insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

People switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, policy cancellation or even denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.

When buying insurance coverage, it's very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.