Free Guide to Spending Less for Orange Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you're not the only one.

With consumers having so many companies and agents to choose from, it's nearly impossible to locate the best insurance company.

Choosing the best insurance company for you in Orange is easy if you know what you're doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. But California vehicle owners do need to know the way insurance companies price online insurance.

More discounts equal less premium

Companies offering auto insurance don't necessarily list all available discounts very well, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving.

Clubs and Organizations - Affiliation with a professional or civic organization may earn a discount when buying auto insurance.
Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
Paperless Signup - A few companies give back up to $50 for buying a policy and signing up online.
No Accidents - Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.

Consumers should know that some credits don't apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

Switch companies and save? Really?

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim that you'll save big if you switch to their company. But how can every company say the same thing? It's all in the numbers.

Insurance companies are able to cherry pick for the driver that earns them a profit. A good example of a profitable customer might be profiled as a mature driver, has no driving citations, and has great credit. A propective insured that hits that "sweet spot" will get the preferred rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile must pay a higher premium and this can result in business not being written. The ads state "customers who switch" not "everyone that quotes" save that much. That's the way companies can advertise the savings. This illustrates why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about California auto insurance

More detailed California auto insurance information can be read at the California Department of Insurance website. California drivers can find out which companies have the most complaints, report car insurance fraud, find out industry alerts, and read consumer alerts.

Also read more on this link for California auto insurance quotes and this link which helps you find a Orange agent.

The best insurance company isn't always the cheapest

Discount auto insurance can be found on the web and also from your neighborhood Orange agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.