Find the Cheapest Paradise Auto Insurance

Finding lower rates for Paradise auto insurance is hard for consumers not familiar with comparing rates online. People have so many options that it can quickly become a lot of work to find the best price in Paradise.

It's important to shop coverage around once or twice a year because prices are constantly changing. Even if you got the best price six months ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out the only way to properly buy coverages while reducing your premium.

Tips to Get Lower Paradise Rates

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate your rates.

  • High credit ratings translate to low rates - Your credit score is a big factor in your rate calculation. If your credit score is lower than you'd like, you could save money insuring your by improving your credit score. People with good credit tend to be more responsible than drivers who have poor credit.
  • Optional equipment can affect rates - Driving a car with a theft deterrent system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
  • Do you qualify for a multi-policy discount? - Most companies give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
  • Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, architects and dentists have the highest average rates due to high stress levels and lengthy work days. Other occupations like farmers, historians and homemakers get better rates.
  • Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. Marriage translates into being more responsible and statistics show drivers who are married are more cautious.
  • Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Frequent auto insurance claims increase rates - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in California provide cheaper rates to insureds who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.

California auto insurance

How to Compare Auto Insurance Costs in Paradise

There are several ways you can shop for auto insurance and some are more efficient than others. You can spend your afternoon talking to insurance agencies in Paradise, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company can provide price quotes based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which providers you will receive quotes from. So if you want to select specific providers to compare rates, we put together a list of companies who write auto insurance in California. Click here for list of insurance companies in California.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles for each comparison quote. If you enter different liability limits you can't possibly determine the lowest rate in Paradise. Just a small difference in coverages may result in large price differences. It's important to know that comparing more company's prices will improve the odds of getting the best rates.

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be requested specifically before being credited.

  • Passive Restraints - Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.
  • Multi-policy Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Claim Free - Claim-free drivers can save substantially compared to accident-prone drivers.
  • E-sign - Certain companies may give you up to $50 for buying your policy digitally online.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose providers offering auto insurance discounts in Paradise, follow this link.

Is there truth in advertising?

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads say the same thing about savings if you switch your coverage to them. How can each company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. For example, a preferred risk might be a mature driver, has no tickets, and has a high credit rating. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher prices which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully state the savings.

That is why you need to get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

Additional information can be found on the California Department of Insurance website found here. Visitors are able to find out industry alerts, view a list of available companies, and read consumer alerts.

compare Paradise auto insurance rates

Shop smart and save

We covered many ways to compare auto insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a small mutual company.

Consumers switch companies for a variety of reasons including poor customer service, unfair underwriting practices, policy non-renewal or even high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is easier than you think.

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.