Easy Ways to Save Money on Rio Linda Car Insurance

Beginners to shopping for insurance online might discover purchasing the lowest-priced Rio Linda car insurance to be a formidable task.

Rio Linda Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to better car insurance rates.

Your car's features help determine rates - Owning a car with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
More than one policy can earn a discount - Many companies provide better rates to policyholders who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's still a good idea to comparison shop to ensure the best deal.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women are in accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations such as reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
Don't buy coverages you don't need - There are a ton of additional coverages that can waste your money on your policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance are examples of these. These may sound like a good investment initially, but if they're wasting money get rid of them and save.

These discounts can lower your rates

Companies that sell car insurance do not list every discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known car insurance savings.

Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
Driver Safety - Taking a driver safety course can save you 5% or more if your company offers it.
Good Student - This discount can save 20 to 25%. This discount can apply well after school through age 25.
Homeowners Savings - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren't that generous.

To choose insurance companies who offer car insurance discounts in Rio Linda, follow this link.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all say the same thing about savings after switching to their company. How do they all make the same claim? It's all in the numbers.

Different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and has great credit. A customer who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted higher prices which usually ends up with business going elsewhere. The ads state "customers who switch" not "everybody who quotes" save that much. That is how companies can truthfully advertise the savings. This emphasizes why you should get quotes from several different companies. Because you never know which company will fit your personal profile best.

Different people need different coverages

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else's.

For instance, these questions might point out whether you will benefit from professional help.

Am I covered when pulling a rental trailer?
Do I need PIP (personal injury protection) coverage in California?
Should I buy additional glass protection?
Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in California?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Even more information can be found at the California Department of Insurance website. Consumers can view a list of available companies, read consumer alerts, and learn about insurance regulations.

The best insurance company isn't always the cheapest

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, policy cancellation, denial of a claim or even questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

When you buy insurance online, you should never buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Cheap car insurance can be bought from both online companies and also from your neighborhood Rio Linda agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.