Orland Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of auto insurance company choices in Orland? You're not the only one! People have so many choices that it can turn into a lot of work to find the perfect company for you.

It's important to take a look at other company's rates at least once a year because insurance rates are constantly changing. Just because you had the best rates two years ago you can probably find a better price now. There is a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to quit paying high auto insurance rates.

Finding the best rates in Orland is quite easy. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. California drivers only need an understanding of the proper way to buy auto insurance online.

Orland Rates are Influenced by These Factors

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.

Listed below are some of the items auto insurance companies consider when setting your rates.

  • Traffic violations increase rates - Your driving record has a big impact on rates. Even a single ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Don't buy coverages you don't need - There are many extra coverages you can purchase on your auto insurance policy. Things like rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem good at first, but if they're wasting money remove them from your policy.
  • What type of vehicle do you drive? - The performance level of the car you drive makes a substantial difference in how high your rates are. The most favorable rates are for low performance passenger models, but the cost you end up paying is determined by many additional factors.
  • With age comes lower rates - Teen drivers in California are statistically proven to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and get fewer tickets.
  • The more you drive the more you pay - The more miles you rack up on your car in a year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven.
  • Safer cars are cheaper to insure - Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Protect your assets with liability insurance - Liability insurance provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

California auto insurance

Are you getting all your discounts?

Auto insurance companies don't always list every available discount very well, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance. If you don't get every credit possible, you are paying more than you should be.

  • Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Defensive Driver - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Early Signing - A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Auto/Life Discount - Larger companies have a break if you buy auto and life insurance together.
  • Low Mileage - Driving fewer miles could qualify for better rates on cars that stay parked.
  • Organization Discounts - Participating in a professional or civic organization could trigger savings on your policy.
  • Driver's Ed - Cut your cost by having your teen driver take driver's ed class in school.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

To choose providers offering auto insurance discounts in California, click this link.

How can State Farm and Allstate save drivers who switch?

California consumers can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads make the same claim of big savings if you switch to their company.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk could possibly be between 25 and 40, has no tickets, and chooses high deductibles. A driver who matches those parameters will get very good rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher rates which leads to the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that much. That's the way insurance companies can confidently state the savings. That is why you should quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings.

Find out more about auto insurance

More tips and info about auto insurance can be read at the California Department of Insurance website. California consumers can file complaints about a company, discover disciplinary actions, and learn about specific coverages.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Orland insurance agents.

auto insurance in Orland

In the end, you save

In this article, we presented some good ideas how to save on auto insurance. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. Drivers may discover the most savings is with an unexpected company.

Cost effective auto insurance is available online and also from your neighborhood Orland agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, don't be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.