How to Find Cheap Larkspur Auto Insurance

Are you intimidated by the wide range of auto insurance choices in Larkspur? Many other consumers are too. People have so many options that it can turn into more work than you anticipated to find the perfect company for you.

The purpose of this article is to help educate you on the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. California vehicle owners just need to know the most efficient way to get comparison rates online.

Save big with these discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be requested specifically prior to getting the savings. If you're not getting every credit possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for a substantially lower rate.
  • Homeowners Discount - Owning a home in Larkspur can save you money because owning a home demonstrates responsibility.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Auto/Home Discount - If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Accident Free - Drivers with accident-free driving histories pay less when compared with drivers who are more careless.

Drivers should understand that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

auto insurance in Larkspur

Auto insurance ads bend the truth

California drivers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies have a common claim that you'll save big if you switch to them.

How does each company say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no driving citations, and has a high credit rating. A propective insured that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards must pay a higher premium and this can result in business not being written. The ads say "customers who switch" not "people who quote" save money. That's the way companies can state the savings.

This illustrates why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will have the lowest rates.

Much more information about auto insurance in California can be read on the California Department of Insurance website found here. California drivers can find disaster information, report car insurance fraud, and file complaints about a company.

Best coverage at the best price

Budget-conscious auto insurance is available on the web and with local Larkspur insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. You may even discover the lowest rates come from some of the smallest insurance companies.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, poor customer service and even an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company is less work than it seems.