Easy Ways to Cut Costs on Fortuna Car Insurance

Consumers who are new to the process of shopping for insurance online might discover purchasing the lowest-priced Fortuna car insurance to be a formidable task.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Car features impact rates - Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent auto theft.
  • Multi-policy discounts can save money - The majority of insurance companies provide better rates to policyholders who consolidate policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even if you're getting this discount it's still a good idea to comparison shop to verify if the discount is saving money.
  • Do you need those extra coverages? - There are a lot of additional coverages that can waste your money on your policy. Coverages like rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
  • Liability coverage protects you - The liability section of your policy is the coverage that protects you when you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

compare Fortuna car insurance rates

Finding Car Insurance in Fortuna, CA

All major car insurance companies such as State Farm, Allstate and GEICO provide price estimates on the web. The process is quite simple as you simply type in your coverage preferences as detailed in the form. After the form is submitted, their rating system will obtain your driving record and credit report and provides a quote.

Online price quotes streamlines rate comparisons, but the work required to visit multiple sites and complete many quote forms can get tiresome after awhile. But it's very important to perform this step if you want to find the best price on car insurance.

Quote rates the easy way

The preferred way to get multiple rate quotes utilizes a single form that gets prices from many companies. The form is fast, requires less work, and makes price shopping online much easier. As soon as the form is sent, it gets priced and you are able to buy any of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you'll know if lower rates are available.

If you want to find out if lower rates are available, click here to open in new window and fill out the form. To compare your current rates, we recommend you copy the coverages identical to your current policy. This makes sure you will get a rate comparison for the exact same coverage.

Are you getting all your discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Defensive Driving Course - Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Organization Discounts - Belonging to certain professional organizations may earn a discount when shopping for car insurance.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will cut the cost of coverage.

To choose insurance companies with the best car insurance discounts in Fortuna, click here.

How can State Farm, Allstate and GEICO save drivers who switch?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all have a common claim about savings if you move your coverage to them. How do they all make the same claim? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and chooses high deductibles. A customer that hits that "sweet spot" gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates and this can result in business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save that much money. That is how companies can truthfully state the savings.

This emphasizes why you need to get as many quotes as possible. Because you never know which company will give you the biggest savings.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

For instance, these questions might point out whether you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Additional information can be found on the California Department of Insurance website found here. Consumers can view a list of available companies, read consumer alerts, and discover disciplinary actions.

Fortuna car insurance quote

Affordable insurance is out there

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, extreme rates for teen drivers or even questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Cheap car insurance is possible from both online companies as well as from independent agents in Fortuna, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.