6 Tips to Save on Car Insurance in Rancho Santa Fe California

Comparison shopping for Rancho Santa Fe car insurance is difficult for consumers not familiar with shopping for insurance online. Drivers have so many choices that it can be more work than you anticipated to compare prices in Rancho Santa Fe.

This article will instruct you on how to effectively get price quotes and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using this information. California drivers only need an understanding of the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to getting the savings. If you're not getting every credit available, you are paying more than you should be.

  • No Accidents - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance Discount - Larger companies have a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Low Mileage Discounts - Fewer annual miles can earn a substantially lower rate.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To choose insurance companies who offer car insurance discounts in California, click here.

Save $429 a year? Really?

Consumers in California can't ignore all the ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all have a common claim of big savings after switching to their company.

How does each company claim to save you money?

All companies can use profiling for the driver that makes them money. For example, a driver they prefer might be a mature driver, has no tickets, and has great credit. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently advertise the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Additional car insurance information can be found on the California Department of Insurance website located here. Visitors are able to read industry bulletins, view a list of available companies, and read enforcement actions against agents and companies.

Other informative sites include this online resource for car insurance quotes in California and this list of insurance agents in Rancho Santa Fe.

compare Rancho Santa Fe car insurance rates

In the end, you save

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, not issuing a premium refund or even delays in paying claims. No matter why you want to switch, choosing a new insurance company is easier than you think.

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Cost effective car insurance can be bought both online and also from your neighborhood Rancho Santa Fe agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.