7 Discounts Kensington Shoppers Forget when Shopping for Car Insurance

Have you had enough of paying out the nose each month for car insurance? You are no different than most other car owners in California.

Lots of contend for your insurance dollar, so it's not easy to compare every and uncover the absolute lowest rate

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. If you had the best price six months ago you may be paying too much now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Kensington is not that difficult. Although California consumers do need to know how companies determine prices and apply this information to your search.

Cheap Kensington Car Insurance Comparisons

There are several ways you can shop for car insurance but some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in Kensington, or you could save time and use the internet to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to complete one form, and each participating company can provide price quotes. This prevents consumers from doing 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 cannot specify which companies you will receive quotes from. So if you prefer to pick specific providers to compare rates, we put together a list of car insurance companies in California. View list of California insurance companies.

Whichever method you choose, ensure you're using the exact same deductibles and coverage limits for each price quote. If you compare different values for each quote it will be impossible to truly determine the lowest rate in Kensington. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding better pricing.

California car insurance

Be sure to get all your discounts

Car insurance can cost a lot, but you can get discounts to help offset the cost. Some trigger automatically when you get a quote, but a few need to be requested specifically before you will receive the discount.

  • Passive Restraint Discount - Vehicles with factory air bags can get savings of 20% or more.
  • No Accidents - Claim-free drivers can save substantially compared to frequent claim filers.
  • Student Driver Training - Require your teen driver to take driver's ed class in high school.
  • Defensive Driving Course - Completing a defensive driving course could save 5% or more depending on where you live.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
  • Homeowners Pay Less - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.

A little note about advertised discounts, some credits don't apply to the entire cost. Most cut individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

For a list of providers with the best car insurance discounts in Kensington, click here.

Additional information can be found on the website for the California Department of Insurance located here. Visitors are able to find out industry alerts, read industry bulletins, view a list of available companies, and discover disciplinary actions.

Shop smart and save

We just covered a lot of ways to lower your car insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like .

The cheapest car insurance is possible both online and also from your neighborhood Kensington agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.