10 Discounts Rosemead Consumers Forget when Buying Car Insurance

I can't think of anyone who likes having to buy car insurance, especially when their premiums are too high.

You have multiple to pick from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

car insurance in Rosemead

Don't pay full price with these ten discounts

Companies offering auto insurance don't always advertise all available discounts very clearly, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Defensive Driving Course - Successfully completing a driver safety course can save you 5% or more depending on where you live.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Club Memberships - Belonging to a qualifying organization may earn a discount when buying car insurance.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Good Student - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Accident Free - Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Student in College - Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.

Keep in mind that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn't work that way.

For a list of insurers with the best car insurance discounts in California, click here.

Finding Car Insurance in Rosemead, CA

There are multiple methods to shop for car insurance, but one way is more efficient than others. You can waste hours discussing policy coverages with agents in Rosemead, or you can stay home and use the web to get prices fast.

Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company provides a quote for coverage. This prevents consumers from doing quotation requests to each individual car insurance company.

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

One minor caviat to getting quotes like this is that you can't choose the companies to get pricing from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of the cheapest car insurance companies in California. View list of California insurance companies.

Whichever method you choose, make absolute certain that you use identical deductibles and coverage limits for each comparison quote. If you use different values for each quote it will be very difficult to determine the lowest rate in Rosemead. Slightly different limits can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps you find better pricing.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you could use an agent's help.

  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Do I qualify for additional discounts?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Affordable car insurance is possible from both online companies and with local Rosemead insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.