5 Top Tips to Slash Car Insurance Costs in San Jn Bautista, CA

Finding lower premiums on San Jn Bautista car insurance is difficult for consumers new to comparison shopping online. People have so many options available that it can quickly become a challenge to find the best price in San Jn Bautista.

Take advantage of discounts

Companies don't always list every discount very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Seat Belt Usage - Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Claim Free - Claim-free drivers pay less when compared to drivers who are more careless.
  • Homeowners Pay Less - Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Life Insurance Discount - Some companies give a break if you buy life insurance from them.

Keep in mind that some credits don't apply to the entire cost. Most only cut specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim that you can save if you change your coverage to them. But how can every company claim to save you money? It's all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. A good example of a driver they prefer might be over the age of 40, is a homeowner, and has excellent credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money and this can result in the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much money. That's why insurance companies can make those claims. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict the company that will have the lowest rates.

Additional detailed information can be read at the California Department of Insurance website. Visitors are able to find a variety of consumer forms, read industry bulletins, and report car insurance fraud.

Also read more on this site for car insurance information in California and this list of agents in San Jn Bautista, CA.

Shop smart and save

Drivers leave their current company for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, lack of trust in their agent and even high prices. No matter why you want to switch, finding a new car insurance company is less work than it seems.

Affordable car insurance can be sourced both online as well as from independent agents in San Jn Bautista, and you need to comparison shop both in order to have the best chance of saving money. Some companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced full coverage and found out when filing a claim they didn't purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.