Car Insurance in Occidental, CA - 8 Discounts You Might be Forgetting

Overpriced car insurance can drain your savings account and make it hard to pay other bills. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive persitently shower you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

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How to Get Cheap Car Insurance in Occidental, CA

Most companies allow you to get price estimates online. Getting quotes is quite simple as you simply type in your required coverages as detailed in the form. When the form is submitted, their rating system will obtain your credit score and driving record and returns a price quote determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to do this in order to find the best price on car insurance.

A quicker way to compare car insurance pricing is to use a quote form that gets prices from multiple companies. The form is fast, reduces the work, and makes quoting online much more enjoyable. After sending your information, it is rated and you can choose your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it's recommended you enter deductibles and limits as shown on your current policy. This ensures you will receive comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Payment Discounts - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
  • Discount for Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Defensive Driver - Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • New Car Discount - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way. But any discount will reduce the cost of coverage.

To see a list of insurance companies offering car insurance discounts in Occidental, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique and a cookie cutter policy won't apply. For instance, these questions can help discover whether you might need an agent's assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

More information is available on the website for the California Department of Insurance. Click here for link. Consumers can view a list of available companies, view agent and company licensing information, read consumer alerts, and download brochures.