Proven Ways to Save on South El Monte Car Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as the majority of other car owners in California. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to get comparison quotes before your policy renews because rates are constantly changing. Just because you found the best price two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to properly buy coverages while reducing your premium.

Are you getting all your discounts?

Companies do not list every available discount in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you aren't receiving every discount available, you're paying more than you need to.

Multi-policy Discount - When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
No Claims - Claim-free drivers can save substantially compared to bad drivers.
Homeowners Pay Less - Being a homeowner can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Military Discounts - Being on active duty in the military may qualify for rate reductions.
Passive Restraints - Vehicles with factory air bags can qualify for discounts up to 30%.

It's important to note that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you're out of luck.

To see a list of providers who offer car insurance discounts in South El Monte, click here to view.

Comparison of Car Insurance in South El Monte

Most companies allow you to get insurance quotes on their websites. The process doesn't take much effort as you simply enter as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and returns a price quote based on these and other factors. Online quotes makes it a lot easier to compare rates but the time required to go to different websites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

The preferred way to lower your car insurance bill utilizes a single form to return rates from more than one company. The form is fast, reduces the work, and makes quoting online much more enjoyable. As soon as the form is sent, it is rated and you can select your choice of the price quotes you receive. If you find a better price you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

If you want to find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input exactly as shown on your declarations page. This makes sure you will receive a price comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" that factor into your rates.

Multi-policy discounts can save money - Many insurers give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it's still a good idea to compare rates to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.
Occupation reflects on rates - Did you know your job can affect your rates? Occupations like lawyers, business owners and dentists are shown to have the highest average rates due to high stress and long work days. Other occupations such as farmers, historians and performers pay the least.
Pay less after the wedding - Having a spouse can get you a discount on your policy. Marriage usually means you are more mature and statistics show drivers who are married are more cautious.
Safer cars cost less to insure - Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Clean credit earns discounts - Your credit history is a big factor in your rate calculation. If your credit rating is not that good, you could pay less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than those with lower credit scores.
Keep rates low by being claim-free - If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in California award cheaper rates to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
How's your driving record? - Your driving record has a huge affect on how much you pay. Drivers with clean records get better rates compared to drivers with tickets. Even one speeding ticket may increase your cost by twenty percent. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
Women pay lower rates - The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations such as reckless driving. Young males are the most expensive to insure and therefore have the most expensive car insurance rates.

How can Allstate and Progressive save drivers who switch?

Consumers can't get away from ads for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads make an identical promise that you can save after switching your policy.

How can each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the right customer that is profitable for them. For example, a preferred risk could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher prices and ends up with business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can state the savings. That is why drivers must compare many company's rates. Because you never know the company that will give you the biggest savings.

In the end, you save

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Lower-priced car insurance can be sourced from both online companies in addition to many South El Monte insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Learn more today

Additional detailed information can be found at the California Department of Insurance website. Consumers can read consumer alerts, read industry bulletins, get help finding coverage, and find disaster information.