How to Find Cheap Riverside Auto Insurance

Purchasing the lowest cost Riverside auto insurance on the web can be rather challenging for beginners to comparison shopping online. Because there are so many online companies, how can consumers effectively compare every one to find the best price?

It's important to get comparison quotes yearly since insurance rates are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Ignore everything you know about auto insurance because we're going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

More discounts equal less premium

Companies do not advertise every available discount very clearly, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
  • E-sign - Some insurance companies give back up to $50 just for signing your application over the internet.
  • Own a Home - Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn't work that way.

California auto insurance

It's not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you would benefit from an agent's advice.

  • Should I buy only the required California minimum liability coverage?
  • What are the financial responsibility laws in California?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

Switch companies and save? Really?

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads make the same claim that you can save after switching your policy. How does each company say the same thing?

Different companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk might be profiled as between 25 and 40, has no prior claims, and has great credit. A propective insured who matches those parameters will get very good rates and therefore will save when switching.

Drivers who do not match these standards will be charged a higher premium which leads to business not being written. The ads say "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can advertise the savings. That is why you should get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

Additional detailed information can be found at the California Department of Insurance website. California drivers can file complaints about a company, file complaints about an insurance agent or broker, and get help finding coverage.

California auto insurance quotes

Final considerations

In this article, we covered many ideas to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the most savings is with the least-expected company.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Affordable auto insurance can be sourced on the web in addition to many Riverside insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.