Perris Auto Insurance For Less Than You're Paying Now

Shopping online for Perris auto insurance can be a challenge if you've never compared quoting online. Don't let that stop you because online price shopping is actually quite simple.

Choosing the best insurance company for you in Perris is easy if you know what you're doing. Essentially everyone who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But California vehicle owners do need to know how big insurance companies determine prices and apply this information to your search.

auto insurance in Perris

Don't pay full price with these discounts

Companies do not list all available discounts very well, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Defensive Driving Course - Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

For a list of insurers with the best auto insurance discounts in California, follow this link.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates is a ton of work if you don't know the best way to get rate quotes. You can waste hours talking to local insurance agents in Perris, or you could use the internet for quick rates.

Most car insurance companies participate in a marketplace that enables customers to submit their information once, and each company provides a quote. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is that consumers can't choose the companies to get pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in California. View list of California insurance companies.

Whichever way you use, be sure to compare apples-to-apples deductibles and coverage limits for every quote you compare. If you compare different values for each quote you can't possibly determine the best price in Perris. Just a small difference in insurance coverages could mean much higher rates. Keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else's.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form.

The best insurance company isn't always the cheapest

Discount auto insurance is possible on the web in addition to many Perris insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented many ways to get a better price on auto insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small mutual company.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, unfair underwriting practices and being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company is not as hard as you think.