6 Money Saving Ideas Guaranteed to Save on Car Insurance Costs in Glen Ellen

Consumers who are new to the process of buying insurance online might discover shopping for low-cost Glen Ellen car insurance quite challenging.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. This information will familiarize you with how to effectively get price quotes and some money-saving tips. Nevertheless, California car owners do need to know the way companies market on the web and apply this information to your search.

compare Glen Ellen car insurance rates

Take advantage of discounts

Car insurance companies don't always list every discount in a way that's easy to find, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Claim Free - Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Defensive Driving Course - Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn't quite work that way.

To choose insurance companies with the best car insurance discounts in Glen Ellen, follow this link.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing of big savings if you move your coverage to them. How can each company make the same claim?

Insurance 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 30 and 50, a clean driving record, and has great credit. Any new insured who fits that profile is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save that much money. That is how insurance companies can confidently advertise the savings. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

How to know if you need help

When buying the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Additional California consumer information

More tips and info about car insurance can be found at the California Department of Insurance website. Consumers can find disaster information, find out industry alerts, and read industry bulletins.

California car insurance

Do the work, save more money

Consumers who switch companies do it for many reasons like unfair underwriting practices, poor customer service, high rates after DUI convictions or even policy non-renewal. No matter why you want to switch, finding the right car insurance provider is easier than you think.

You just learned many ways to save on car insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.

When you buy insurance online, it's not a good idea to buy poor coverage just to save money. There have been many situations where someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.