Free Guide to Paying Less for Patterson Auto Insurance Online

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners in California.

Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. Just because you found the best price a year ago you can probably find a better price now. Ignore everything you know about auto insurance because you're about to find out how to use online quotes to find better coverage at a better price.

Patterson Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • The more you drive the more you pay - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance coverage is rated on the proper vehicle usage.
  • Occupation reflects on rates - Did you know that where you work can have an impact on rates? Jobs such as lawyers, architects and dentists tend to have the highest average rates attributed to high stress levels and long work days. Other occupations like farmers, historians and performers receive lower rates.
  • Marriage pays dividends - Having a spouse can get you a discount when buying auto insurance. It means you're more responsible and it's statistically proven that drivers who are married are more cautious.
  • Theft deterrents lower rates - Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, or theft. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Women pay lower rates - The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Claim-free discounts can add up - Car insurance companies in California provide cheaper rates to insureds who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.

California auto insurance quotes

Be sure to get all your discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few need to be specifically requested before you will receive the discount.

  • Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Accidents - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Homeowners Pay Less - Owning a house in Patterson may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To choose companies who offer auto insurance discounts in Patterson, follow this link.

Is there truth in advertising?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to say the same thing about savings after switching to their company. How can each company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. For example, a desirable insured could possibly be a mature driver, is a homeowner, and has excellent credit. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make those claims.

Because of the profiling, you should get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

Learn more today

Additional information can be found on the website for the California Department of Insurance through this link. California consumers can file complaints about an insurance agent or broker, read industry bulletins, get help finding coverage, and view a list of available companies.

Affordable insurance is out there

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. In many instances, an accident victim reduced physical damage coverage only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to buy enough coverage at an affordable rate.

Cheap auto insurance can be sourced online and also from your neighborhood Patterson agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.