Car Insurance in Los Alamitos - 6 Discounts You Might be Unaware of

Are you intimidated by the sheer number of car insurance company choices in Los Alamitos? Lot's of other consumers are too. Consumers have so many choices that it can turn into a real challenge to find the best price.

It's important to check car insurance prices every six months since rates are constantly changing. Even if you got the lowest rates last year there is a good chance you can find better rates now. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

California car insurance

Comprehensive Los Alamitos Car Insurance Comparison

All major car insurance companies allow you to get prices for coverage online. Getting quotes is fairly straightforward as you simply enter the coverages you want as detailed in the form. After the form is submitted, the system will obtain your credit score and driving record and provides a quote.

This makes comparing rates easy, but the work required to visit different websites and complete many quote forms gets old quite quickly. But it's very important to do this in order to find the best price on car insurance.

There is a better way!

The preferred way to lower your rates is to use a quote form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online price comparison much easier. After sending your information, it is rated and you can choose any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your information. To compare your current rates, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This makes sure you're receiving an apples-to-apples comparison for the exact same coverage.

Are you getting all your discounts?

Companies that sell car insurance do not list every available discount very well, so we break down both the well known as well as the least known ways to save on car insurance.

  • Discount for Good Grades - This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • Multi-car Discount - Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Multi-policy Discount - If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Senior Citizens - If you're over the age of 55, you may qualify for reduced rates.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

It's important to note that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like it's possible to get free car insurance, you're out of luck.

To choose providers offering car insurance discounts in California, click this link.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make the same claim that you can save if you switch to them. But how can every company claim to save you money?

All companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk might be between 30 and 50, has no driving citations, and has great credit. Any new insured who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged higher prices which leads to the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save money. That's the way insurance companies can advertise the savings. That is why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional detailed information can be found at the California Department of Insurance website. Visitors are able to file complaints about a company, report car insurance fraud, and find out industry alerts.

Other informative sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Los Alamitos California.

The best insurance company isn't always the cheapest

We just covered many ideas to compare car insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies.

Lower-priced car insurance can be found both online and with local Los Alamitos insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.