Car Insurance in Pacific Grove, CA - 7 Tricks to Save Money

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other drivers in California. Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

More discounts equal less premium

Companies don't always list every discount in a way that's easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you aren't receiving every discount available, you are paying more than you should be.

Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Paperwork-free - A handful of insurance companies will give a small break for buying your policy digitally online.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous.

To choose insurance companies who offer car insurance discounts in Pacific Grove, click here.

Switch companies and save? Really?

Consumers can't ignore all the ads for the lowest price auto insurance by State Farm, Allstate and GEICO. They all have a common claim about savings after switching to their company.

How can each company make the same claim? It's all in the numbers.

All the different companies can use profiling for the driver that makes them money. An example of a driver they prefer could be between 30 and 50, has no tickets, and chooses high deductibles. Any new insured that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be quoted higher prices and this can result in business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

More California car insurance information

Even more information is available at the California Department of Insurance website. Consumers can download brochures, view a list of available companies, file complaints about an insurance agent or broker, and find out industry alerts.

And the best car insurance company is...

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Cheap car insurance can be purchased from both online companies and also from your neighborhood Pacific Grove agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.