7 Guaranteed Ways to Cut Car Insurance Costs in San Bernardino, CA

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many San Bernardino consumers feel financially strained by their car insurance policy.

Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates at least once a year since rates are constantly changing. Just because you found the best price last year there may be better deals available now. Forget all the misinformation about car insurance because we're going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you in San Bernardino is easy if you know what you're doing. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But California car owners do need to know the way companies sell online and apply this information to your search.

More discounts equal less premium

Car insurance companies don't list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
Resident Student - Kids in college who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
55 and Retired - Older drivers may receive better car insurance rates.
No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn't make money that way.

For a list of providers with discount car insurance rates in California, click here to view.

Quick San Bernardino Car Insurance Quotes

Most major insurance companies like Allstate and Progressive give coverage prices on the web. Getting quotes is pretty painless as you simply enter the coverage amounts you desire into the quote form. Once entered, their rating system will obtain information on your driving record and credit history and generates pricing information based on many factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

A more efficient way to find better car insurance pricing is to use a quote form to return rates from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the insurance coverages just like they are on your policy. This helps ensure you will receive comparison quotes based on identical coverages.

Do the work, save more money

When trying to cut insurance costs, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious car insurance can be sourced from both online companies and also from your neighborhood San Bernardino agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.