5 Tricks Shown to Lower Car Insurance Costs in San Pedro

Searching for the lowest cost San Pedro car insurance on the internet is challenging for consumers new to comparing rates online. With dozens of insurance companies available, how can consumers possibly compare the different rates to find the cheapest available price?

Where Can I Get Cheap San Pedro Car Insurance?

There are several ways to compare rate quotes from local San Pedro car insurance companies. The recommended way to find the lowest rates consists of shopping online. This can be accomplished using a couple different methods.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for multiple quote forms for every car insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies. It's definitely the quickest method.

A different way to get quotes online consists of going to the website for every company you want to comare and fill out their own quote form. For examples sake, let's assume you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

To view a list of companies in San Pedro, click here.

The least efficient way of comparing rate quotes is to waste gas driving to different San Pedro agent offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance of a local San Pedro agent. You can, however, compare the best prices online and still use a local agent and we'll cover that in a bit.

Whichever way you use, make sure you use identical coverages for every quote you compare. If the quotes have different limits and deductibles on each one it's impossible to determine the best price in San Pedro. Just a small difference in coverages could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons helps you find lower pricing.

car insurance in San Pedro

Save big with these 5 discounts

Auto insurance companies don't necessarily list all available discounts very clearly, so here is a list some of the more common as well as the least known car insurance savings.

  • Defensive Driving Course - Completing a driver safety course could cut 5% off your bill depending on where you live.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Government Employees - Simply working for the federal government can save as much as 8% depending on your company.
  • Auto/Home Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • No Claims - Drivers who don't have accidents can earn big discounts when compared with frequent claim filers.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of insurers with the best car insurance discounts in California, follow this link.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

These are some specific questions can help discover if your situation might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Even more information is available at the California Department of Insurance website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and download brochures.

Other useful links include this resource for California car insurance prices and this link which helps you find a San Pedro agent.

California car insurance quotes

Affordable insurance is out there

Cheap car insurance is definitely available from both online companies in addition to many San Pedro insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don't reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, high rates after DUI convictions and policy non-renewal. Whatever your reason, choosing a new insurance company is not as hard as you think.