10 Simple Ways to Reduce Car Insurance Costs in La Mirada

Overpriced car insurance can dwindle your personal savings and put the squeeze on your family's finances. Shopping your coverage around is free and is an excellent way to help make ends meet. Drivers have multiple to buy insurance from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

Are you getting all your discounts?

Companies don't list all available discounts very clearly, so we researched both the well known as well as the least known ways to save on car insurance. If you're not getting every credit you deserve, you are throwing money away.

  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
  • Student in College - Any of your kids who are attending college and don't have a car can be insured at a reduced rate.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • No Accidents - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Clubs and Organizations - Being a member of a qualifying organization could trigger savings when buying car insurance.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% depending on your company.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, it just doesn't work that way.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those 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 or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

How can Allstate, GEICO and Progressive save drivers who switch?

Consumers in California get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you change to their company.

How does each company claim to save you money?

Different companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer might be between 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who matches those parameters receives the best rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money which leads to the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can claim big savings. This illustrates why you should compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

Additional detailed information is located at the California Department of Insurance website. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and find out industry alerts.

California car insurance quotes

In the end, you save

Affordable car insurance can be sourced both online and also from your neighborhood La Mirada agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just covered some good ideas how to reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as .