Somis Auto Insurance For Less Than You're Paying Now

Finding the most affordable Somis auto insurance online is intimidating for beginners to comparing rates online. Since there are so many companies competing online, how can you possibly compare every one to find the lowest rates?

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit. If they aren't giving you every credit you deserve, you are throwing money away.

  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Clubs and Organizations - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut your overall premium however.

compare Somis auto insurance rates

Tips to Get Lower Somis Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Your car's features help determine rates - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
  • Older drivers pay less - More mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Teenage drivers are known to be more careless when driving therefore auto insurance rates are much higher.
  • Proper usage rating affects rates - Driving more miles in a year's time the higher your rate. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
  • Liability coverage is cheap - Liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Do you need those extra coverages? - There are a ton of add-on coverages that can waste your money if you aren't careful. Coverages like roadside assistance, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone's situation is a little different.

These are some specific questions may help you determine if your situation may require specific advice.

  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?

If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

California drivers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings after switching your coverage to them.

How do they all say the same thing?

All the different companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" receives the best rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be quoted higher prices and this can result in business not being written. Company advertisements say "customers that switch" not "people who quote" save that much money. This is how companies can truthfully advertise the way they do.

This emphasizes why drivers should get as many comparisons as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

Additional information can be read on the California Department of Insurance website located here. California drivers can view a list of available companies, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Somis auto insurance comparison

And the best car insurance company is...

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, delays in paying claims and even questionable increases in premium. Whatever your reason, choosing a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance can be purchased on the web as well as from independent agents in Somis, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.