Tightwads Guide to Saving on Seal Beach Car Insurance

Scraping up a payment for overpriced car insurance can overdraw your bank account, especially in this economy. Doing a price comparison is a great way to lower your monthly bill. Having so many companies and agents to choose from, it is very difficult to choose the right provider.

Shopping for the cheapest coverage in Seal Beach is easy if you know what you're doing. If you have insurance now or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. California vehicle owners just need to know the proper methods to shop their coverage around online.

More discounts equal less premium

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but a few must be specifically requested before you will receive the discount. If you don't get every credit you deserve, you're just leaving money on the table.

  • Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Defensive Driver - Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with a substantially lower rate.

Consumers should know that some credits don't apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will help reduce your premiums.

For a list of insurers offering car insurance discounts in California, click here.

Where Can I Get Cheap Seal Beach Car Insurance?

Most major insurance companies give coverage prices directly from their websites. Getting quotes is pretty painless as you just enter your required coverages into the quote form. Once entered, their rating system will obtain reports for credit and driving violations and returns a price based on many factors. This helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

The easy way to compare rates

A more efficient way to compare car insurance pricing is to use a quote form to get prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. After your information is entered, your coverage is rated and you can choose any or none of the quotes that you receive.

If you find a better price it's easy to complete the application and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your information. If you have coverage now, it's recommended you duplicate the coverages identical to your current policy. This helps ensure you're receiving a rate comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in California?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

In the end, you save

Discount car insurance is available from both online companies and also from your neighborhood Seal Beach agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage and learned later they didn't purchase enough coverage. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

You just learned a lot of ways to get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as .