Quote Indian Wells Car Insurance Prices With These Methods

Price shopping your Indian Wells car insurance is a challenge for consumers not familiar with buying insurance online. There are so many choices that it can turn into a lot of work to locate the lowest price in Indian Wells.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Keep rates low by being claim-free - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Companies in California provide better rates to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
More than one policy can earn a discount - Most companies provide better rates to policyholders who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
Extra coverages can waste money - There are many extra bells and whistles that can waste your money on your policy. Coverages like rental car reimbursement, accident forgiveness and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so get rid of them and save.
Better credit scores mean better rates - Having a bad credit score is a huge factor in your rate calculation. If your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than those with poor credit.
Marriage brings a discount - Having a spouse can actually save you money when buying car insurance. Having a significant other usually means you are more mature it has been statistically shown that drivers who are married are more cautious.
Liability insurance protects assets - Liability insurance will protect you when you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.

How to Compare Car Insurance Costs in Indian Wells

All major car insurance companies such as State Farm, Allstate and GEICO allow you to get coverage price quotes on their websites. The process doesn't take a lot of time as you simply type in the amount of coverage you want as detailed in the form. After the form is submitted, their rating system will obtain credit information and your driving record and returns a price quote based on many factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it's very important to get many rate quotes in order to find better car insurance pricing.

There is a better way!

The preferred way to find cheaper rates utilizes a single form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes comparison shopping much more enjoyable. After sending your information, it is rated and you can choose any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend you input deductibles and limits exactly as shown on your declarations page. This makes sure you are getting rate comparison quotes for the exact same coverage.

These discounts can lower your rates

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Some discounts apply automatically when you quote, but a few need to be inquired about prior to getting the savings.

Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in school.
Military Discounts - Having a deployed family member could mean lower rates.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Defensive Driver - Successfully completing a driver safety course could save 5% or more if your company offers it.
Passive Restraints and Air Bags - Cars that have air bags can get savings up to 30%.

It's important to note that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will cut the cost of coverage.

To choose insurance companies offering car insurance discounts in Indian Wells, follow this link.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. They all say the same thing that you can save if you switch your policy. How do they all make the same claim? This is how they do it.

Insurance companies can use profiling for the right customer that makes them money. For example, a driver they prefer could be over the age of 50, has no tickets, and has great credit. A customer who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a higher premium which usually ends up with business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can advertise the savings.

This emphasizes why you need to quote coverage with many companies. Because you never know the company that will fit your personal profile best.

More information can be found on the California Department of Insurance website. Click here for link. Consumers can download brochures, view a list of available companies, and read consumer alerts.

Final considerations

Consumers switch companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, policy non-renewal or even questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

We just showed you a lot of information how to compare car insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a lesser-known regional company.