Free Guide to Spending Less for Shingletown Car Insurance Online

Are you sick and tired of not being able to afford each month for car insurance? You are no different than the majority of other car owners in California.

Numerous battle for your hard-earned dollar, so it's not easy to compare every to get the lowest rate

More discounts equal less premium

Companies don't always publicize every discount in an easy-to-find place, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • No Claims - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Defensive Driving Course - Taking part in a driver safety course could save 5% or more if you qualify.
  • Seat Belts Save - Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you will save approximately 10% to 15%.

It's important to note that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you're out of luck.

Switch companies and save? Really?

Car insurance providers like Progressive, Allstate and GEICO regularly use ads in print and on television. They all make an identical promise that you can save if you move your policy. How do they all make the same claim?

All the different companies can use profiling for the right customer that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will be quoted higher premiums and ends up with business going elsewhere. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That's why insurance companies can advertise the way they do. This emphasizes why you should compare many company's rates. Because you never know the company that will provide you with the cheapest rates.

More California car insurance information

Additional detailed information is available at the California Department of Insurance website. Consumers can read industry bulletins, download brochures, view a list of available companies, and discover disciplinary actions.

compare Shingletown car insurance rates

Shop smart and save

Lower-priced car insurance is possible from both online companies in addition to many Shingletown insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.