6 Tricks to Save on Car Insurance in Hawaiian Gardens

Are you intimidated by the crazy number of car insurance options in Hawaiian Gardens? Lot's of other consumers are too. People have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

It's important to do rate comparisons every six months since rates are constantly changing. Despite the fact that you may have had the best price a few years ago there may be better deals available now. Block out anything you think you know about car insurance because you're about to learn one of the best ways to eliminate unnecessary coverages and save money.

Hawaiian Gardens car insurance quote

Be sure to get all your discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but a few need to be manually applied before you will receive the discount. If you don't get every credit possible, you're just leaving money on the table.

  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of providers who offer car insurance discounts in California, follow this link.

How to Compare Car Insurance Quotes in Hawaiian Gardens, California

There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You can waste hours talking to insurance companies in Hawaiian Gardens, or you could use online quoting to get the quickest rates.

Most car insurance companies take part in a program that allows shoppers to send in one quote, and each participating company can give them a price based on that data. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to doing it this way is you can't choose the companies you want to price. If you prefer to choose specific providers to compare prices, we put together a list of companies who write car insurance in California. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples coverage information for each price quote. If you have unequal deductibles or liability limits then you won't be able to truly determine the lowest rate in Hawaiian Gardens.

And the best car insurance company is...

As you shop your coverage around, do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Cheap car insurance can be bought from both online companies and with local Hawaiian Gardens insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

You just learned a lot of tips how to get a better price on car insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.