Tightwads Instructions on Saving on Pasadena Auto Insurance

Sick and tired of scraping the payment together each month for car insurance? You are no different than many other drivers in California.

Lots of contend for your hard-earned dollar, so it's not easy to compare every to discover the definitive lowest price

Take advantage of discounts

Companies offering auto insurance don't list all available discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find auto insurance savings.

  • Clubs and Organizations - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.
  • Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, auto insurance companies aren't that generous.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies say the same thing about savings if you change to their company. How do they all make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. An example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

More California auto insurance information

Even more information is available at the California Department of Insurance website. California consumers can find out which companies have the most complaints, view a list of available companies, find disaster information, and report car insurance fraud.

compare Pasadena auto insurance rates

Final considerations

Cheap auto insurance is attainable online and also from your neighborhood Pasadena agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.