How to Know You're Spending Too Much for Auto Insurance in Marina Del Rey

Expensive auto insurance can dwindle your savings account and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

With consumers having so many companies to choose from, it can be diffult for consumers to pick the most cost effective provider.

auto insurance in Marina Del Rey

How to Get Cheap Auto Insurance in Marina Del Rey, CA

There are several ways of comparing price quotes from local Marina Del Rey auto insurance companies. The best method to find the lowest rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions to each individual auto insurance company. A single, simple form gets you price quotes from multiple companies.
  • A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare to complete a price quote. For instance, let's assume you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Marina Del Rey, click here.
  • The least recommended way of getting rate comparisons is driving to local Marina Del Rey insurance agencies. The internet has reduced the need for local agents unless you prefer the trained guidance only provided by licensed Marina Del Rey agents. However, consumers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but make sure you use apples-to-apples quote information for every company. If you are comparing mixed coverages it will be next to impossible to decipher which rate is best in Marina Del Rey. Quoting even small variations in coverages can make a big difference in price. And when comparing auto insurance rates, know that quoting more provides better odds of finding a better price.

Take advantage of discounts

Auto insurance companies don't necessarily list all available discounts very well, so here is a list both well-publicized and the more hidden savings tricks you should be using.

  • Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Own a Home - Owning a home in Marina Del Rey can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To see a list of insurers with discount auto insurance rates in California, click here to view.

How to know if you need help

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Learn more about auto insurance in California

Even more information is available at the California Department of Insurance website. California consumers can discover disciplinary actions, file complaints about an insurance agent or broker, report car insurance fraud, and read consumer alerts.

Additional helpful sites include this resource for California auto insurance prices and this link which helps you find a Marina Del Rey agent.