7 Discounts Newbury Park Shoppers Forget when Buying Car Insurance

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and although it's a good thing to be able to choose, it makes it harder to compare rates.

Be sure to get all your discounts

Companies that sell car insurance do not list every discount very clearly, so we researched both the well known and also the lesser-known car insurance savings.

Accident Free - Claim-free drivers pay much less when compared to accident-prone drivers.
Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Distant Student - Children who are attending college without a vehicle on campus can receive lower rates.
Multiple Policy Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
Passive Restraints - Cars that have air bags may earn rate discounts up to 30%.
Low Mileage Discounts - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

To choose insurance companies with the best car insurance discounts in California, follow this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing that you can save if you move to them. How does each company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that makes them money. For instance, a driver they prefer might be between 25 and 40, has no tickets, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be quoted higher rates which usually ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save money. That's why insurance companies can state the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

More California car insurance information

Additional detailed information is located at the California Department of Insurance website. Visitors are able to read industry bulletins, download brochures, view a list of available companies, and read enforcement actions against agents and companies.

Do the work, save more money

When buying insurance coverage, it's very important that you do not buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

We just covered a lot of information how to save on car insurance. The key concept to understand is the more price quotes you have, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets compared to the large companies like .