Free Guide to Spending Less for Napa Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are many people just like you. Big-name insurance companies like GEICO and Progressive continually bombard you with catchy ads and it can be hard to sift through the bull and find the best price available.

If you have a policy now or are looking for a new policy, you can learn to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you in Napa is easy if you know what you're doing. California vehicle owners just need to know the best way to shop their coverage around on the web.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specifically requested prior to receiving the credit. If you aren't receiving every discount possible, you are throwing money away.

  • Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Swiching Early - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Paperless Signup - Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.

Consumers should know that some credits don't apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way. But all discounts will reduce your premiums.

Switch companies and save? Really?

Consumers in California get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies have a common claim that you'll save big if you change your policy.

How can each company claim to save you money?

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and has excellent credit. Any driver that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Potential customers who do not match the requirements must pay higher prices and this can result in the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can make those claims.

This illustrates why you should get as many comparisons as possible. You cannot predict which car insurance company will have the lowest rates.

Much more information about car insurance in California can be found on the website for the California Department of Insurance located here. Visitors are able to find out which companies have the most complaints, find disaster information, read industry bulletins, and view a list of available companies.

car insurance in Napa

Best coverage at the best price

Discount car insurance is attainable both online in addition to many Napa insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.