Top Ways to Save on Marysville Auto Insurance

Expensive auto insurance can dwindle your checking account and force you to make sacrifices. Shopping your coverage around is a great way to lower your monthly bill.

Insurance companies such as GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to check auto insurance prices on a regular basis because insurance rates are constantly changing. Even if you think you had the best rates last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online, so I'm going to show you some great ways to reduce your auto insurance bill.

What determines how much you pay?

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

Shown below are some of the items companies use to determine rates.

  • Being married is a good thing - Getting married helps lower the price on auto insurance. It is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Safer cars cost less to insure - Vehicles with good safety scores get lower rates. These vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
  • Do you need the policy add-ons? - There are quite a few add-on coverages that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and motor club memberships are some examples. These coverages may sound good initially, but if you don't need them eliminate the coverages to reduce your premium.
  • Traffic violations increase rates - Just one ticket can increase rates twenty percent or more. Good drivers get better rates than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more expense you're willing to pay, the bigger discount you will receive.
  • Better credit means lower rates - Credit score is a big factor in determining what you pay for auto insurance. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit history is low, you could save money insuring your by improving your credit score.

How to Lower Your Auto Insurance Cost in Marysville, California

There are several ways of comparing rate quotes from local Marysville auto insurance companies. One of the best ways to find competitive insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate forms to each individual auto insurance company. One form submission will get you price quotes from several companies.
  2. A less efficient way to compare rate quotes requires a visit to each individual company website to complete a price quote. For instance, we'll pretend 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 the first method is quicker.

    To view a list of companies in Marysville, click here.

However you get your quotes, ensure you are comparing exactly the same coverage limits with each company. If you use differing limits then you won't be able to make an equal comparison in Marysville. Slightly different limits can make a big difference in price. Just remember that quoting more will improve the odds of getting better pricing.

Take advantage of discounts

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.
  • Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Drive Less and Save - Low mileage vehicles could qualify for a substantially lower rate.

It's important to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck.

To choose companies with discount auto insurance rates in Marysville, click here.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change to them. How can each company make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save money. This is how insurance companies can advertise the savings. Because of the profiling, you need to get as many quotes as possible. It is impossible to predict which insurance companies will give you the biggest savings.

Additional detailed information can be read at the California Department of Insurance website. California consumers can get help finding coverage, find disaster information, discover disciplinary actions, and file complaints about a company.

Do the work, save more money

Lower-priced auto insurance is attainable online and with local Marysville insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of techniques to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than their larger competitors like .