Tightwads Guide for Saving on Sunnyvale Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat. Popular companies such as GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Buying car insurance in Sunnyvale is quite easy. California drivers only need an understanding of the most efficient way to get comparison quotes on the web.

auto insurance in Sunnyvale

Take advantage of discounts

Companies offering auto insurance do not advertise all available discounts in a way that's easy to find, so here is a list some of the best known as well as the least known auto insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break when buying auto insurance.
  • Use Seat Belts - Requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safety Course Discount - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Paperless Signup - A handful of insurance companies give back up to $50 simply for signing digitally online.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way.

For a list of insurers with discount auto insurance rates in Sunnyvale, follow this link.

How to Compare Auto Insurance Quotes in Sunnyvale, California

Finding a better price on auto insurance can be quick and easy. Just invest a few minutes comparing price quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotes to each individual auto insurance company. Filling out one form gets you price quotes instantly.

A harder way to compare rate quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, we'll pretend you want to compare rates from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is more popular.

To view a list of companies in Sunnyvale, click here.

The least efficient method of getting rate comparisons is to waste gas driving to and from local Sunnyvale insurance agencies. Buying insurance online makes this process obsolete unless you require the professional guidance only provided by licensed Sunnyvale agents. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Which method you use is up to you, but ensure you are comparing exactly the same quote information for each comparison quote. If each company quotes mixed coverages it will be impossible to determine the lowest rate in Sunnyvale.

In the end, you save

Cost effective auto insurance can be sourced on the web and also from your neighborhood Sunnyvale agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.