Top 6 Ways You Can Buy Car Insurance for Less in Grass Valley

If online car insurance comparisons are new to you, it's easy to be confused because of the huge number of car insurance companies offering coverage in Grass Valley.

It's important to compare prices periodically since rates are constantly changing. Just because you found the best rates two years ago you can probably find a better price now. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to quit paying high car insurance rates.

These six discounts can lower your rates

Auto insurance companies don't list all their discounts very clearly, so the following is a list of both the well known as well as the least known car insurance savings.

  • Accident Forgiveness - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
  • Good Student - This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance from them.
  • Sign Online - Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
  • Bundle and Save - If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, it just doesn't work that way.

To choose companies who offer car insurance discounts in California, follow this link.

Are you falling for claims of savings?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to say the same thing that you can save after switching to their company. How does each company claim to save you money?

Different companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured might be over the age of 50, a clean driving record, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That is how insurance companies can state the savings. Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Different people need different coverages

When buying coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

For instance, these questions may help highlight whether you may require specific advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in California?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in California?
  • Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Additional detailed information can be read at the California Department of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, and get help finding coverage.

Other informative sites include this site for California car insurance information and see this list of insurance agents in Grass Valley.

California car insurance

Final considerations

Affordable car insurance can be sourced both online and also from your neighborhood Grass Valley agents, and you should be comparing both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered a lot of tips how to save on car insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from some of the lesser-known companies.

When buying insurance coverage, make sure you don't buy poor coverage just to save money. In many cases, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford.