Tightwads Instructions on Saving on Paramount Auto Insurance

No one likes paying for auto insurance, especially knowing their premiums are too high.

Lots of contend to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices periodically since insurance rates are constantly changing. Even if you got the lowest price a few years ago you can probably find a better price now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Buying car insurance in Paramount is quite easy. Nevertheless, California vehicle owners do need to know the way companies price insurance differently because it can help you find the best coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Understanding what determines base rates enables informed choices that may reward you with big savings.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

Do men or women drive better? - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both tend to get into accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
Traffic citations inflate rates - Just one citation can boost insurance rates forty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to keep their license.
Pleasure use saves money - Driving more miles each year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage determined by how the vehicle is used. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Drive a safer car and pay less - Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you.

Take advantage of discounts

Companies offering auto insurance don't list all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on auto insurance.

Accident Forgiveness - A few companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Good Student - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Auto/Life Discount - Larger companies have lower rates if you buy auto and life insurance together.
Drive Less and Save - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Homeowners Savings - Owning a house in Paramount may earn you a small savings due to the fact that maintaining a home shows financial diligence.
No Accidents - Good drivers with no accidents pay much less as compared to accident-prone drivers.

It's important to understand that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way.

To choose companies who offer auto insurance discounts in Paramount, click this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching to their company. How do they all say the same thing?

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A propective insured who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay higher premiums which leads to business not being written. The ads state "customers that switch" not "people who quote" save that much. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which company will fit your personal profile best.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different so this has to be addressed. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required California minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Additional California consumer information

More tips and info about auto insurance is located at the California Department of Insurance website. California drivers can learn about insurance regulations, file complaints about a company, file complaints about an insurance agent or broker, and find disaster information.

Shop smart and save

Low-cost auto insurance can be purchased on the web and also from your neighborhood Paramount agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

In this article, we covered some good ideas how to save on auto insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company. Some small companies can often provide lower rates in certain areas than their larger competitors like .

As you shop your coverage around, you should never buy poor coverage just to save money. In many cases, someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.