Free Guide to Paying Less for Newman Auto Insurance Online

No one looks forward to paying for auto insurance, in particular when the cost is way too high.

Companies like GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to check auto insurance prices occasionally because prices are constantly changing. If you had the best price last year you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to find out one of the easiest ways to find better coverage at a better price.

Be sure to get all your discounts

Companies don't always advertise all their discounts in a way that's easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Accident Forgiveness - A handful of insurance companies permit an accident before your rates go up as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Accident Free - Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Homeowners Savings - Owning a house in Newman can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.

Keep in mind that most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn't work that way.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's needs are different so your insurance should reflect that For example, these questions might point out whether or not you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you can save if you move to them. How can each company make almost identical claims?

All companies have a certain "appetite" for the type of driver that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, owns a home, and drives newer vehicles. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money and ends up with the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save money. That is how insurance companies can claim big savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

Additional detailed information can be found at the California Department of Insurance website. California consumers can learn about insurance regulations, read consumer alerts, download brochures, and read industry bulletins.

Newman auto insurance quote

Shop smart and save

Affordable auto insurance is possible online and with local Newman insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate.