Proven Techniques to Save on Loomis Auto Insurance

Paying for high-priced auto insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to make sure you're not throwing money away. Insurance companies such as GEICO and Progressive all promote huge savings with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

How much can you save with discounts?

Insuring your fleet can be pricey, but you may find discounts to help offset the cost. Most are applied when you quote, but less common discounts must be asked about before you get the savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts in Loomis, click this link.

compare Loomis auto insurance rates

Which Auto Insurance is Cheapest in Loomis, California?

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with agents in Loomis, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company provides a quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is that you can't choose which carriers to get quotes from. So if you want to choose from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in California. View list of California insurance companies.

It's up to you how you get prices quotes, just ensure you are comparing exactly the same deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Loomis.

Why some people pay less for insurance in Loomis

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces companies use to determine prices.

  • Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Discounts for married couples - Having a wife or husband actually saves money on your auto insurance policy. Having a significant other is viewed as being more responsible and it's statistically proven that married drivers get in fewer accidents.
  • Keep rates low by being claim-free - Companies in California give cheaper rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Never go without insurance - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • One company can mean more discounts - The majority of auto insurance companies provide better rates to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal.
  • High deductibles save money - Physical damage deductibles define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more you're willing to pay, the bigger discount you will receive.

Save 15 percent in 15 minutes? Is it for real?

California drivers can't get away from ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all make the same claim about savings if you move to them.

How can each company say the same thing?

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements will be quoted a higher premium which leads to business not being written. The ads state "people who switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

A tidy conclusion

Cheaper auto insurance is possible on the web and with local Loomis insurance agents, and you need to comparison shop both to have the best selection. Some auto insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

For more California auto insurance information

Additional information is located on the website for the California Department of Insurance through this link. California drivers can view a list of available companies, get help finding coverage, download brochures, and find a variety of consumer forms.