Tightwads Tips for Saving on Mccloud Car Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in California.

Consumers have many to buy insurance from, and although it's a good thing to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates before your policy renews because rates are constantly changing. Even if you think you had the best rates last year you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

This information will let you in on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. But California car owners do need to know the way insurance companies market insurance on the web.

Take advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be asked for before they will apply.

  • New Car Discount - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.
  • Drive Less and Save - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • One Accident Forgiven - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Good Students Pay Less - Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations - Belonging to a qualifying organization could trigger savings on car insurance.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way. But all discounts will bring down your overall premium however.

California car insurance quotes

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to make the same claim that you'll save big if you change to their company. How does each company make the same claim?

Insurance companies can use profiling for the driver that earns them a profit. A good example of a desirable insured could be a mature driver, is a homeowner, and drives newer vehicles. A customer who matches those parameters will get very good rates and most likely will save when switching.

Consumers who don't qualify for these standards will have to pay higher rates which leads to business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's why companies can claim big savings.

Because of the profiling, you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.

Learn more today

Much more information about car insurance in California can be read on the website for the California Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, read industry bulletins, discover disciplinary actions, and learn about insurance regulations.

Shop smart and save

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at a price you can afford.

Discount car insurance is attainable from both online companies and also from your neighborhood Mccloud agents, and you need to price shop both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.