How to Know You're Wasting Money for Car Insurance in Valley Springs

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are many Valley Springs consumers feeling the pinch from expensive car insurance.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and consumers find it hard to sift through the bull and find the best price available.

Compare the Market for Car Insurance in Valley Springs

The are a couple different ways to compare quotes from car insurance companies in your area. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

  • The recommended way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating separate quotes for each company. Completing one form gets you coverage quotes instantly.
  • Another way to shop for car insurance online consists of going to each individual company website to complete a price quote. For sake of this example, we'll assume you want to compare rates from , and . You would have to spend time on each company's site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Valley Springs, click here.

Whichever method you choose, compare exactly the same coverages for every company. If you enter different limits and deductibles on each one it will be impossible to decipher which rate is best in Valley Springs. Slightly different coverages may result in a large different in cost. Just keep in mind that getting more free quotes will increase your chances of finding lower pricing.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but less common discounts must be manually applied in order for you to get them.

  • Memberships - Belonging to a civic or occupational organization may earn a discount when buying car insurance.
  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • No Accidents - Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Discount for Good Grades - A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy could earn a price break for each car.

A little note about advertised discounts, some credits don't apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers with the best car insurance discounts in Valley Springs, click here.

Additional information can be found on the website for the California Department of Insurance through this link. Consumers can find out which companies have the most complaints, find disaster information, read industry bulletins, and file complaints about a company.