How to Know You're Wasting Money for Auto Insurance in Sun City

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are a lot of people in Sun City just like you who feel imprisoned by their auto insurance policy.

Numerous battle for your business, so it can be very hard to choose a and uncover the absolute lowest price

It's important to take a look at other company's rates at least once a year because prices are constantly changing. Just because you found the best deal last year you can probably find a better price now. So just block out anything you think you know about auto insurance because you're going to get a crash course in the only way to reduce your cost while increasing coverage.

Sun City Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with big savings.

The following are some of the factors auto insurance companies consider when setting rates.

  • Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because it can save money.
  • Do you need those extra coverages? - There are a ton of extra coverages that you can buy when buying auto insurance. Coverages like rental car reimbursement, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money get rid of them and save.
  • Pay less after the wedding - Being married can get you a discount on your policy. It means you're more responsible it has been statistically shown that being married results in fewer claims.
  • Liability coverage is cheap - Liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Women pay lower rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both are in accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Theft deterrents lower rates - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Safer occupants lowers premiums - Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.

California auto insurance quotes

Are you getting all your discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount.

  • Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Drive Less and Save - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Multiple Vehicles - Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Senior Citizens - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course if it's offered in school.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. 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 the cost of coverage.

To choose companies who offer auto insurance discounts in Sun City, click here to view.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to make an identical promise about savings after switching to their company. How do they all claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer getting a price quote who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay higher premiums and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully claim big savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Additional information is available on the website for the California Department of Insurance. Click here for link. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and find out which companies have the most complaints.

auto insurance in Sun City

Shop smart and save

When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price.

Cheaper auto insurance can be sourced both online and also from your neighborhood Sun City agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.