Top 5 Ways to Pay Less on Car Insurance in Granada Hills

If shopping for car insurance online is new to you, it's easy to get confused by the vast number of car insurance companies selling insurance in Granada Hills.

These 5 discounts can lower your rates

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few need to be specifically requested before they will apply.

  • Multiple Cars - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount - Completing a defensive driving course can save you 5% or more depending on where you live.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

For a list of insurers with discount car insurance rates in California, click here to view.

Finding Car Insurance Deals in Granada Hills, CA

Most major insurance companies provide prices for coverage online. Getting quotes is fairly straightforward as you just enter your coverage preferences as detailed in the form. Once entered, the system will obtain your driving record and credit report and provides a quote based on these factors.

This makes comparing rates easy, but the work required to visit different websites and fill out multiple forms can get tiresome after awhile. But it's very important to perform this step if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to get multiple rate quotes is to use a quote form to get prices from many companies. The form is fast, requires less work, and makes price shopping online much easier. After your information is entered, it gets priced with multiple companies and you can pick any or none of the quotes that you receive.

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

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate the insurance coverages identical to your current policy. This helps ensure you will get a price comparison based on identical coverages.

Different people need different coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is no "best" method to buy coverage. Your needs are not the same as everyone else's.

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

  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Affordable insurance is out there

Cheap car insurance is attainable both online and with local Granada Hills insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, do not sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just covered some good ideas how you can get a better price on car insurance. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest priced car insurance comes from a small mutual company.